Question: I currently have my children covered under my employers group plan. Our group plan open enrollment is now. I have been told that if I add my children now, I can't remove them on 1/1/15 to go to individual plans. Is individual open enrollment a qualifying event?
Answer: Once enrolled in a group plan your cannot voluntarily drop your coverage without a qualifying event but you can drop coverage for your dependents anytime, no qualifying event required. There is no need to wait for open enrollment. Your children are not eligible for premium assistance (subsidy) because they are offered group coverage through your employer. You can purchase off-exchange individual coverage for them, or they may be eligible for Medi-Cal.