Our benefits are absolutely atrocious and our family is thinking of trying for something on the marketplace but not sure how that works. Could my wife, who is a freelancer, get a plan and then both of us end up just using hers even if I keep mine? Do I have to relinquish mine?

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You will want to talk to whomever your employer uses to administer benefits. Specifically, ask them about “coordination of benefits” under the situation you just described. In many plans, the coverage through the employer plan pays first for claims as they are the subscriber. You would do well to confirm how this works under your employer’s plan and rules. Plan sponsors can have intricate nuances to their plans…which can make advice from 3rd parties like us a risk since we do not have access to your plan document to understand the plan rules.

Someone could offer you a flat answer here, but it would be a risk. Talking to your Benefit Admin is pretty important on this…

It really depends on what your employer is ok with, I think you will still have to keep yourd and even if you relinquish, not sure if you can really get much more out of that. Are the benefits really that bad?

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