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Increase in Spouse's Health Premium


Christine Roberts

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Posted

Cafeteria plan participant wants to add spouse to coverage under group medical mid-year, due to increase in cost of spouse's coverage under her employer's group health plan.

Cafeteria plan does not have open enrollment for medical plan (self-insured plan). Adding spouse to coverage is not a problem, however can the employee change his pre-tax premium payment, mid year, to include the spousal premium?

Posted

Christine:

If a significant increase in the cost of medical coverage is a Qualifying Event wouldn’t it apply to the employer plan that is adding the dependent spouse? In other words changing your coverage do to this type of QE would necessitate a change in contribution, wouldn’t it?

Just my way of interpreting the regs.

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