<prompt> Human: My company offers two different health plans.I signed up for the cheaper one with more out of pocket expenses, and just found out my wife is likely pregnant.It sucks, and we figured out soon after -- my daughter got sick in January and we realized that the coverage is poor.What are my best options? My wife doesnt work, I have a 58k base and with bonusescommission expect to make 110k this year.Please help, thanks in advance.  <response>: This is the exact reason that there are Qualified Life Events QLEs built into plans. The main reasons would be that if this were allowed, all the claims would be funneled into the richer plan without having the cost shared equally adverse selection. There is no way for you to opt out of your current plan and then subsequently move into the new plan prior to your wife having the child. With that being said, once you have the baby that is a QLE. In most cases your employer will allow you to make changes at that time. Check with your HRBenefits team within 30 days of the birthdate of the child. Wouldnt hurt to get in front of them beforehand as well. 