Employer health insurance and open enrollment. Cutting it close

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In Utah. My girlfriend got a job in January of 2020 for a small business (less than 20 employees). They casually mentioned that they offered health insurance but never gave her any paperwork waiving coverage or anything. She declined, as she thought she was still on her moms policy. It turns out her mom had just been signing her up for healthcare through the healthcare.gov marketplace. Now its nearing the end of open enrollment for the marketplace, but her workplace insurance states that their enrollment period is the month of march. Her workplace insurance form states that employee coverage can begin 60 days after the hire date for full time employees. My question is- can she still sign up for her workplace insurance now, or should she sign up through the marketplace untill march? This is all very confusing for her and I and we both would like to ensure she is covered.

submitted by /u/beanslc
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In Utah. My girlfriend got a job in January of 2020 for a small business (less than 20 employees). They casually mentioned that they offered health insurance but never gave her any paperwork waiving coverage or anything. She declined, as she thought she was still on her moms policy. It turns out her mom had just been signing her up for healthcare through the healthcare.gov marketplace. Now its nearing the end of open enrollment for the marketplace, but her workplace insurance states that their enrollment period is the month of march. Her workplace insurance form states that employee coverage can begin 60 days after the hire date for full time employees. My question is- can she still sign up for her workplace insurance now, or should she sign up through the marketplace untill march? This is all very confusing for her and I and we both would like to ensure she is covered.
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