Can I Drop My Spouse From My Health Insurance At Any Time

You can remove your spouse from health insurance after major life events.

These events qualify you to make changes.

Otherwise, you must wait for the next open enrollment period, whether it’s employer-based or Affordable Care Act plans.

Can I remove my spouse from my health coverage?

You can modify your health insurance, including removing your spouse, but only during open enrollment or within 30 days of a qualifying event.

Removing spouse from health insurance
Removing spouse from health insurance: Photo source (Sapling)

Missing this window means waiting for the next enrollment period.

Check with your insurance administrator for eligible qualifying events.

Generally, insurers consider the following a qualifying event:

  • Marriage
  • Birth or adoption
  • Divorce or legal separation
  • Death of spouse or dependent
  • Dependent has changed in eligibility status (e.g. child ages off policy at 26)
  • Change in employment status for you, spouse or dependent
  • You experience an increase or reduction to hours affecting your eligibility for the health plan
  • Change in residence
  • Other health coverage ends or begins
  • Becoming entitled to (or lost entitlement to) Medicare or Medicaid

Employers have their own open enrollment periods — often in the fall or winter.

The Affordable Care Act marketplace’s open enrollment period is between Nov. 1 and Dec. 15 in most states.

How to remove a spouse from your health coverage policy

Removing a spouse from your health insurance policy — when allowed — is fairly simple.

During a qualifying event, you can remove your spouse in your policy’s online portal or by calling your insurer.

You may need to work with your benefits coordinator if you receive health insurance through your employer.

During open enrollment, you have the option to adjust all the details of your health insurance policy.

Can a spouse drop me from their health insurance?

You can change your health insurance during open enrollment or a qualifying event.

If your spouse removes you from their coverage, you can opt for COBRA for a limited time, an Affordable Care Act marketplace plan with subsidies based on income, or short-term health insurance with restrictions.

Removing a spouse requires an open enrollment period or a qualifying event, allowing a 30-day window for the change.

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