{ "media_type": "text", "post_content": "Just had a baby. Any downside to adding my spouse to my high deductible plan for nov-dec and not just the baby? I already reached the family deductible and am within 3k of the family out of pocket max", "post_id": "5be34c3c141375001733e52e", "reply_count": 3, "vote_count": 3, "bowl_id": "564a5cdb94887803001dd07c", "bowl_name": "Accounting", "feed_type": "crowd" }
null

Just had a baby. Any downside to adding my spouse to my high deductible plan for nov-dec and not just the baby? I already reached the family deductible and am within 3k of the family out of pocket max

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Posting as :
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Seems like a logical choice to me.

Is your spouse offered insurance through his/her employer? If so, there is an additional fee per pay period. Other than that, I agree, it is usually cost effective to add spouse if already enrolling dependent.

Also, you can add the baby when born, but can only add the spouse outside of open enrollment if you have a qualifying life event. Has your spouse recently changed jobs, recently married, etc? If not, you will be enrolling in Nov for 2019 coverage.

PS congrats on the baby!

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