<prompt> Human: Just got a notice today that on 91 my wife and daughters plan will be going up 20. The plan already has a 10k deductible which is the max under this plan. Since it is mid year and i dont believe that we meet any qualifications, healthcare.gov is out. My work pays for me personally but if i add them to my plan our monthly out of pocket would go up 150. Are there any options that I am not thinking of?  <response>: Im a health insurance broker and we deal with both group benefit plans and individual marketplace plans. It sounds like your group is having its annual open enrollment period. During this period you can change your elections, if you wife and child are currently covered under youre insurance and you chose to terminate their coverage then they would be entitled to a special enrollment period to enroll in a marketplace plan. You may have to provide proof of the loss of coverage though. 