I’m Covered Under My Husbands Insurance, What are My Options For Employer Coverage?



My children and I are covered under my husband’s insurance through his job and have recently run into a couple potential issues.

I work for a business that has two stores but they are completely separate. They are two separate jobs, basically.

1. One place wants to promote me to stay at only their store. I will have to go through an MIT (manager in training) program for 90 days before picking up their free insurance.

2. The other store wants to raise my pay and my hours to 40/wk.

Obviously there are other details to make my decision but the larger is about insurance.

Now, with Obama Care, my job will offer me insurance that I don’t need or want. And if my job offers insurance, my husband’s job won’t cover me.

Therefore, in reference to above ….
1. Would there be a 90 grace period where I could stay under my husband’s insurance until I completed the program (as in not being offered any).
2. Is there a loophole somewhere where the insurance doesn’t have to be offered to me? If I got dropped from my husband’s insurance, the extra wage and hours would pay for the insurance I was forced to take. So, What would be the point?

Leave a comment

We'll never share your email with anyone else.

1 2 3 4 5

This site uses Akismet to reduce spam. Learn how your comment data is processed.

NEW QUESTION: I work for a California school district as a teacher. I have always been on my husband’s insurance plan. Now my district says: VEBA requires me to take one of their plans. They said I could take the ones that are no cost to me. However, in the past, when I did have my own, I had to use my plan first because my birthday falls before my husband in the calendar year. So my question is: Does the school have the legal right to force me to take a plan that I do not want. I am fully covered under my husband’s plan.

Reply

But what if your spouse says their employer won’t allow you to stay on spouses insurance when you are working full time elsewhere and eligible for
Coverage with that employer?

Reply

For an employer it is optional to offer coverage to the spouse. So if they decide not to offer coverage you can go with your employer coverage for one or more family members.Whatever choice you go with it typically makes sense to share a plan in regards to cost sharing, but makes sense to take the best offer from an employer in regards to premiums.

Reply
ObamaCareFacts is a free informational site. It's privately owned, and is not owned, operated, or endorsed by the US federal government or state governments. Our contributors have over a decade of experience writing about health insurance. However, we do not offer professional official legal, tax, or medical advice. See: Legal Information and Cookie Policy. For more on our company, learn About ObamaCareFacts.com or Contact us.