<prompt> Human: Hi everyone. My wife and I got married in October 2016. In April of 2017 we found out we were having a child due this coming late December. My wife and I have our own heath insurance through our employers. No family plan. Both of our insurance is through the same carrier. My wifes insurance plan is terrible compared to mine. Her insurance is estimating a cost of 3000 to deliver the child whereas mine is only 20. I want to put my wife on a family plan under my employer so we both have this better insurance but they are telling me its not possible because open enrollment for both of our plans is every March. Obviously way past when the baby is due. My insurance rep for my plan said it looks like the delivery will have to be on my wifes insurance and once the baby is born, the baby can go immediately on my insurance. I asked my rep if my insurance can be a secondary insurance to my wifes so the 3000 could be covered by my plan as secondary. He said it could but she would need to be added to my plan in order for that to happen and that cant happen until March. My rep is making calls to try to make an exception so my wife can get off her plan and onto mine and Im waiting to hear back from him...does anyone have any info on a situation like this where a married couple who has separate plans and is expecting a child? Thanks  <response>: Your insurance rep sounds correct. You need a change in life event to switch plans.. Like getting married etc. To switch plans for your wife outside of your open enrollment. 