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health insurance premium for H4 when in India for few months Hi, I am on H1B and my wife on H4. I have health insurance through my employer and I have to pay a big premium for both of us. Now my wife went to India for 3-4 months and I would like to stop paying premium for her(it is expensive) until she comes back by removing her from the insurance. But my employer is saying it is not possible as you cannot remove/add without any life changing event like divorce, marriage etc...? Please clarify. Is there anyway I can remove her from the insurance, buy a short term insurance for her until she comes back, then cancel that and then add her back to my employer insurance?
Your employer is right. You can NOT enroll in and out of major medical (long term) plan whenever you want. Long term plan means you keep it year round. If you don't, you may be subject to financial penalties as well.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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