Welcome to /r/personalfinance! Comments will be removed if they are political, medical advice, or unhelpful (subreddit rules). Our moderation team encourages respectful discussion.

You may find our Health Insurance wiki helpful.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

Depends on the plan policies but generally you can only make changes during open enrollment or during specific life events so you could be stuck with two plans. HR should know or it’ll be listed in the plan documents

[deleted]

you will have to contact her HR department to be sure. Or, you will have to contact yours.

Despite what others say about "Open Enrollment period" there is some capability to fix foul-ups like this. Whether she can get out of paying for her plan and remain employed is up to HR.

You can definitely have 2 (or even more really) plans. Dual coverage is relatively common.

She's probably stuck with both of them for 2023. You can't make changes after open enrollment without a qualifying event. She should check with HR.

Ask her employer how to get out of her employer's employer-dependent health coverage.