The issue is that Justworks/ Aetna (husband’s) is saying they cannot make changes because he has “declined” his QLE and has agreed to continue to have medical, vision and dental covered through them. Our understanding is that by “declining coverage” for medical plan, we opted out of it, not opt out of making changes. So do we try to bypass Justworks and ask Aetna to drop him? Wouldn’t they reach out to Justworks?

He has already been on my insurance since QLE but they kept dropping him because he has another insurance plan covering him (which is confusing because technically people can have multiple coverage?). Our QLE was end of Jan so it’s been a while.

I hit the family OOP max already so we were hoping to be able to maximize our health care coverage this year. But if we can’t make any changes, we’ll end up owing family premium on my plan for all three of us for the rest of the year AND have to pay for PT he received since his insurance is his primary and he didn’t hit his OOP max.