Change in Status Question

[Guest Neno]

An employee currently has health insurance coverage for herself and her spouse through her employer and pays the premiums through the cafeteria plan. The rate increases just came through and she finds that it will now be cheaper to have her spouse cover himself through his own employer's plan. The problem is that open enrollment for him to get into employers plan is not for a couple of months. He is not a new employee and has met eligibility in the past but declined participation. If employee chooses to keep coverage for both for the next couple of months, can she then drop coverage for her husband (and associated premiums) under a qualifying event.

Any help (quickly!) would be most appreciated.

Thanks

[papogi]

Yes. 125-4(f)(4) will allow the employee to drop coverage as long as other coverage begins at the spouse's open enrollment in a couple months.