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Message: <blockquote data-quote="bettingpython" data-source="post: 1332021" data-attributes="member: 4307">Loss of coverage if she loses her job is a qualifying event and he will not have to wait until the open enrollment period to join his employers group medical insurance. If it's less expensive stay on the wifes plan stay there. My wifes employer subsidizes spouses and dependants where my employers insurance does not. By switching myself and my son to my wifes policy we saved over $550 a month on what it was costing me to have him with me on my employers insurance, and I also receive a insurance stipend for providing alternate coverage because insurance is mandatory where we work, if you go on it as an employee in my classification it is paid for by the district, if you provide your own you get the district paid portion as a stipend. Basically my stipend covers the premium increase her insurance charged for both of us to go on her policy and I no longer am paying 550 a month for my sons plan. Her employer doesn't offer vision so she and my son are on my vision plan which I kept and my son is on my dental plan which I kept Win win.</blockquote>