<prompt> Human: I was hired on an annual contract with benefits at a remote job. Signed up for health insurance for my wife and I. STRIKE ONE. They backdate the insurances effective date to 2 months prior to the hire, which was before I was even offered the contract. I had been working for them already in a non-benefited capacity for several years at this point, but this action caused me to have 2 months of advanced payment tax credits APTC disallowed and OWE over 1.5k at tax time. I was already losing money going full-time, so this was a nice kick in the balls to add to that.STRIKE TWO. We were in hospital having a baby and, wouldnt you know, coverage lapsed THE DAY OF DELIVERY! Cause my employer had open enrollment periods that differed from the annual contract dates and never bothered to tell me. And they had it set up in a way that I had NEVER heard of...Most of the time, if you pick a plan and remain employed at the same place, open enrollment is for making changes to the plan. If you dont make changes, you remain in the same plan. Well this place had it set up such that you HAVE to go in each open enrollment period just to say you want the same health insurance you had the prior year. If you dont do that, THEY JUST KICK YOU OUT OF THE HEALTH INSURANCE PLAN! WTF!So here we are in the delivery room. Wife covered in blood and just had an epidural. Get a knock on the door from the damn hospital business office wondering how we are going to pay. I thought they were talking about my old Obamacare insurance which we had at the start of her pregnancy, so I just give them my current insurance info.But thankfully I started getting paranoid and checked my current insurance account online. Wouldnt you know, they were right - the plan DID lapse that day! Not gonna lie, was damn livid and called HR. Head of HR ended up being stone cold at the whole situation, which made me even more livid. But when I mentioned that I hadnt even been notified about the open enrollment period, she suddenly changed her tune and checked with IT or whatever and saw that, yes, I hadnt even been added to the listserv for health insurance so I was missing out on all the notifications. So they let me back into the plan. Dont even want to know what would have happened if I didnt call that day. I paid premiums well over a year with minimal usage of the benefits, but they were close to being perfectly fine socking me with 20k - 30k in out of pocket costs at the end there just for fun.STRIKE THREE. So head of HR obviously knows I am having a baby. My health insurance account showed Baby X as a placeholder. So I wait until official birth certificate and social security card come in the mail try and add the baby. The health plan website even says I have 60 days to make changes with qualifying events. You know, like every other health plan out there. Well not here. It was actually 30 days and they arent gonna add my baby cause that time has passed. I didnt even HAVE the birth certificate and social security card in 30 days. LOL! Just hung up on the head of HR this time. Obamacare was killing me with its prices, but damn, this has been such shit-show I almost just want to quit the job and go back to Obamacare. Looks like I will have to get Obamacare for the kid in any event...Anyway, if anyone has advice, Id appreciate it. I think Im just screwed though so Im posting this mostly as a warning to people. I dont even know what kind of health plan I have where I can still be employed and LOSE IT just by not signing into some website during open enrollment. Hope you guys dont have something similar, but watch out if you do!  <response>: So the wrong date was on an insurance policy, which was probably just somebody typing the wrong number, and you never said anything about it. They should have magically just known about it?You didnt review any of the plan documents that were sent to you which clearly noted when open enrollment would happen and make a note of open enrollment dates, and when they didnt remind you and you were dropped, it was entirely their fault.When the problem was discovered, which was that you had been left off of a distribution list, you were immediately added.The head of HR was supposed to view your HIPAA-protected documents on the off chance there was information there that would cause them to ask you if you wanted to add your child to your plan? In all the preparation of having a baby you didnt bother to contact HR, or the provider, or go on the internet to the providers website, or call the number on your insurance card, to see how you would be adding the child to the insurance?Looks like you did everything wrong you could possibly do, expected everyone to do everything for you, and then ranted when then didnt on the internet. And your birth was still covered despite you dropping the ball as many ways as possible. 