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I would be too nervous to do that. I think because you're pregnant they will probably scrutinize further. If they find out you weren't telling the truth you would be on the hook for all of the costs, and I would be worried DH might lose his coverage as well.

With what you just explained above, it sounds legit and worth a try.

I think deductibles only transfer if you are switching within the same company - like, my employer is UHC, my husband's is UHC, so there'd be a good possibility there.

However, it would change from a single-person plan, toa a family plan - which has different premiums, deductibles, and OOP maxes.

Lastly, when you have a baby, you can definitely switch everyone over after that because having a child is a qualifying life event. However, that won't be retroactive on your prenatal care, etc.

I'm a little surprised HR suggested the first option, but hey open enrollment and extended open enrollment is your chsnce to switch! Did your husband already make his selections?

Eta: two coworkers once had a lively discussion about our plan vs our new high deductible plan. The one with a chronic disease said the new plan sucked. The other one who rarely went to the doctor (he didnt have kids at the time) loved the cost savings of the new. These plans are definitely not one size fits all.

Health insurance troubles really suck. We are in an even more difficult situation because we are BOTH self-employed. And in our area, our options (all two of them!!) really sucked this year.

The only tiny upside is that our new plan is qualifies us to open an HSA. See if your plan qualifies. There are specific criteria for deductibles and OOP max. Using HSA dollars to cover your expenses will allow you to avoid paying your usual income tax on those dollars.

We are about to shell out thousands toward our deductible when I have another baby this year. And then the coinsurance is still 50% after the deductible is met; it is such a joke. And not a cheap premium in exchange, either. It's over 10k for the year in premiums alone.