They have announced that starting next year they will no longer cover family members. We have insurance through blue cross blue shield. Would it be possible to switch to individual coverage? My husband has several health problems and I would want to try to avoid the "pre existing condition" wait period. What are our options? Thanks for your help!
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Well, if your husband has an employer that offers a group plan, you can switch over to their policy during open enrollment. You're probably not going to have a pre-existing conditon issue if you buy a private policy. That's because either they'll flat out refuse to cover him, or they won't cover the pre-existing conditions, PERIOD. That wait time, is only for a GROUP policy through an employer. You need to get some quotes. I think when you see what the individual policies will cost, you'll find out that it's going to be less expensive, to pay for him, AND GET COVERAGE, through your employer's plan.
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