silly question

[Hin-d 16]

I missed the 30 day "life change" qualification for adding my spouse to my insurance plan. as a result, HR says that I have to wait until the next open enrollment period to make any additions. Anyone know what the implications would be if we were to divorce and remarry to qualify, again, for a "life change" event that would allow her to enroll sooner than a year? What would be the effect of AOS? should we do it before AOS submittal, after, or not at all?

Thx

Edited February 1, 2014 by Hin-d

[ricnally 258]

That idea is crazy.

[Lynkali 163]

Please don't divorce just to get her health insurance, that literally is the craziest idea I've read all week. I have NO idea what effect that would have on her AOS and everything but it sounds way too confusing and scary and I would never ever risk her status that way. There's a very good chance that she would not qualify to AOS and stay here in the USA at all, and you might have to have her go back to her home country and start all over with a spousal visa. I am not sure and I'm not sure anyone will know 100%, but I would never ever take that risk.

There are plenty of insurance companies now available where you can sign up for relatively low-cost minimal coverage insurance, OR you can use the new "Obamacare" (Affordable Care Act) state health exchanges and find a plan that works for you. Many of them only cost $50-100/month for basic coverage. Sure, it won't be as good as the coverage you have through work, but it will be an interim measure. Then when your next open enrollment period opens (must be less than a year, if you already missed it now), you can add her to your plan then.

[Boiler 45,486]

Wow

[KayDeeCee 4,893]

Wow

Seconded

[Hin-d 16]

I knew what the general consensus would be regarding the question. I was really more interested in the feasibility, as it relates to the AOS. I agree that it may not be my most lucid business consideration, but the idea of taking off the table, a $25,000 insurance package with a 90% company subsidization, will do it to a guy.

[KayDeeCee 4,893]

If you divorce, she is not eligible to file for AOS. If you divorce and remarry, then I suppose you could file the I-130 for a spouse along with AOS. http://www.visajourney.com/content/i130guide2

Seems extreme. I would just wait out the year, but that is just me.

[Okee 0]

How about visitors insurance. something like "***removed***"

http://www.***removed***.com/

I was covered before got local insurance for several months with renewals .You can call and discuss about this.

I missed the 30 day "life change" qualification for adding my spouse to my insurance plan. as a result, HR says that I have to wait until the next open enrollment period to make any additions. Anyone know what the implications would be if we were to divorce and remarry to qualify, again, for a "life change" event that would allow her to enroll sooner than a year? What would be the effect of AOS? should we do it before AOS submittal, after, or not at all?

Thx

Edited February 1, 2014 by Okee

[Boiler 45,486]

How about visitors insurance. something like "***removed***"

http://www.***removed***.com/

I was covered before got local insurance for several months with renewals .You can call and discuss about this.

Are they Obamacare approved?

[Boiler 45,486]

I knew what the general consensus would be regarding the question. I was really more interested in the feasibility, as it relates to the AOS. I agree that it may not be my most lucid business consideration, but the idea of taking off the table, a $25,000 insurance package with a 90% company subsidization, will do it to a guy.

It can not be the first time this has happened, so let us have another look putting aside the VJ issue.

She can wing it.

She can buy privately now.

She can get Obamacare at the end of March.

You could get a job somewhere else with cover for you and her.

If you moved to a different State she could get Obamacare straight away

You can divorce and remarry, my Wow was because of the complexity and cost, and how long it could take. But maybe I am wrong?

What other qualifying events are there?

[christeen 966]

It would affect her AOS and her eligibility for this... It sucks, but buy it on the marketplace, and next year BE ON TIME FOR OPEN ENROLLMENT... Lessons cost, good lessons cost a lot....