I’m trying to join my husband’s health insurance. There is a surcharge if I do not have “adequate” coverage provided by my employer.

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I am trying to join my husband’s health insurance but we are really stuck and haven’t been able to find the answer.

There is a monthly spousal surcharge of $388/month. However, we are exempt from paying it if:

A) “spouse’s employer’s plan does not meet the definition of ‘adequate alternative coverage’ because all of the individual coverage options would require spouse to pay a monthly contribution of more than $330”

Or

B) “spouse’s employer’s plan does not meet the definition of ‘adequate alternative coverage’ because all of the individual coverage options have a High Deductible Health Plan as defined by the IRS” and there is a table to show the minimum annual deductible and maximum annual deductible and out-of-pocket expenses.

I currently pay slightly under $330/month, and my minimums/maximums are lower than the table provided. But my health plan kind of sucks to put it bluntly. I have multiple health plans available through my employer and I picked the cheapest plan.

I could easily sign up for a more expensive plan through my employer. If I change my plan now, can I then truthfully tell my husband’s employer I meet requirement A or B? More specially, how do they know if I have multiple plan options? My husband’s benefits are way better than mine and are even better than the best option my employer has available.

My husband’s employer does require me to submit my policy number from my most recent enrollment for verification.

Any ideas on how can I get on his health insurance? I don’t want to lie or do anything to get him in trouble, but there seems to be a lot of gray area.

Located in DC

Appreciate any advice!

submitted by /u/dreamblaze185
[link] [comments]
I am trying to join my husband’s health insurance but we are really stuck and haven’t been able to find the answer. There is a monthly spousal surcharge of $388/month. However, we are exempt from paying it if: A) “spouse’s employer’s plan does not meet the definition of ‘adequate alternative coverage’ because all of the individual coverage options would require spouse to pay a monthly contribution of more than $330” Or B) “spouse’s employer’s plan does not meet the definition of ‘adequate alternative coverage’ because all of the individual coverage options have a High Deductible Health Plan as defined by the IRS” and there is a table to show the minimum annual deductible and maximum annual deductible and out-of-pocket expenses. I currently pay slightly under $330/month, and my minimums/maximums are lower than the table provided. But my health plan kind of sucks to put it bluntly. I have multiple health plans available through my employer and I picked the cheapest plan. I could easily sign up for a more expensive plan through my employer. If I change my plan now, can I then truthfully tell my husband’s employer I meet requirement A or B? More specially, how do they know if I have multiple plan options? My husband’s benefits are way better than mine and are even better than the best option my employer has available. My husband’s employer does require me to submit my policy number from my most recent enrollment for verification. Any ideas on how can I get on his health insurance? I don’t want to lie or do anything to get him in trouble, but there seems to be a lot of gray area. Located in DC Appreciate any advice!
submitted by /u/dreamblaze185 [link] [comments]Read Morer/HealthInsurance

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