2 Day Open Enrollment
For context I am 23 and literally barely understand how insurance works. Hi all. So last week on Wednesday, my husband’s employer announced they were making all the employees switch to a new health insurance plan. This was the first time my husband was told about this change. They gave him TWO DAYS (until Friday at 3PM) to sign up for a plan, stating that was their open enrollment period. For more background. I am about 4 months pregnant and just recently started a new job doing contract work. I can’t get coverage through my job and that wasn’t going to be an issue because I’ve always had my HI through my husband’s job. Well they gave us two plans to choose from, a PPO and HD. The PPO only paid 50% even AFTER meeting the deductible which was ridiculously high! For comparison, our current coverage covers 80% and we have a good deductible amount. The HD plan covers 70% after meeting the deductible but that deductible is still pretty high (obviously lol). I was freaking out because pregnancy and giving birth is expensive and we don’t have the money to be paying a ton out of pocket. I went to the marketplace to find something and the only comparable plan would have cost me $525 a month because I don’t qualify for a subsidy (since I could get insurance through my hub). At first I was like well I guess I should just do this so on Friday I told my husband to submit his open enrollment form without me on his health but carrying me on dental and vision. After talking with my mom yesterday she was like the only reason I suggested you look at the marketplace was because I thought you’d get a discount. And so now I don’t know what to do because I canceled the marketplace insurance and my husbands HR lady is saying that they won’t have open enrollment again until next fall and there’s nothing that they can do. I personally feel like the whole situation is extremely shady. Any advice is much appreciated. I don’t qualify for regular Medicaid because of my husbands income.
submitted by /u/lousylobotomy
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