My family is on my health plan and it’s open enrollment. Spouse is currently on leave and their federal health plan open enrollment is early next year. Is it possible to enroll us and our child on my health plan and then switch to spouse’s plan during their open enrollment? Also, typically are fed health plans that much better than private for families with one child?

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I’m confused why your spouses’s open enrollment is next year? The Open Season for federal employees is now through December 13. Do you mean the plans selected will go into effect next January? If you enroll on your plan, you’ll need a life event to change/cancel your family’s coverage. You can check with HR, but generally it’s birth/adoption, death, change in employment status, etc. Based on that you may end up paying for two plans unless you can have your spouse enroll for a plan starting in January. It’s hard to say what plan is better without comparison, but that being said I feel like you get more bang for you dollar with a fed plan. Most people do one of the BCBS standard or Basic, and I know people starting to look into some of the HDHP as the government contributes towards your HSA.

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