Having first child – should my wife quit her job to get on my insurance?
New dad to be here and having difficulty navigating options related to health insurance. In Wisconsin.
My wife and I are are both currently employed with health insurance coverage through our employers.
I am in open enrollment for 2023 coverage starting on Jan 1st.
My healthcare plan does not cover spouses if their employer offers coverage.
Baby is due mid-Feb. My wife is planning on taking off work after the birth for at least a few months, but maybe longer term and/or maybe changing employers when she returns to work.
My question is this.. should my wife quit her job prior to Jan 1st so that she no longer has health insurance coverage through her employer and therefore can be added to my health care plan?
This could save us thousands of dollars as the baby delivery costs would immediately cover our combined family plan deductible for the remainder of 2023 instead of covering just my wife’s individual plan deductible, and then having me and baby on a separate family deductible.
Am I missing anything? Feels really scary having wife jump off her insurance one month prior to due date. I don’t want to get fucked because of unforeseen ineligibility for her to be on my plan.
