Yes and No. If you are on a group health plan and you are paying a portion of your health insurance costs on a pre-tax basis under your employer's Section 125 plan then changes to your coverage status outside of the annual open enrollment period are confined to IRS defined "change of life status events". Examples are marriage, divorce, loss of coverage from a previous job, gaining coverage through a new job, having a child or adopting one. Just because you and the husband had a fight or the family budget has gotten tight doesn't qualify.
If you are covered through an individual health insurance policy it is easier to drop a dependent from your coverage throughout the year. However, with the new open enrollment requirements of ObamaCare you are running the risk of leaving your husband uninsured and unable to purchase major medical coverage until the next open enrollment period. In addition, you could be creating a tax penalty liability depending upon how long of a period of time you would be leaving your husband uninsured during the year.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Can you drop your husband from your health insurance? Well the answer may vary by state. You may be able to drop your husband, but he will have to agree in writing for it to be done. The reason for this is when a couple divorces a spouse sometimes drops the others coverage without their knowledge. Sort of like emptying the bank account.
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If you are covered through an individual health insurance policy it is easier to drop a dependent from your coverage throughout the year. However, with the new open enrollment requirements of ObamaCare you are running the risk of leaving your husband uninsured and unable to purchase major medical coverage until the next open enrollment period. In addition, you could be creating a tax penalty liability depending upon how long of a period of time you would be leaving your husband uninsured during the year.