Here is an interesting insurance story:
Sometimes all it takes to switch insurance is to change your address. If you are 24, are you living with your parents? I thought you would have to live at their address to qualify.
This is probably more than you want to know, but to learn all this took me some research. My point is further research might be the answer to solving the problem.
Here is my example:
We have a somewhat unique situation that really turned out to be a huge benefit. We have homes in both California (San Jose) and Washington (Grapeview). We prefer living in Washington.
I am retired from IBM so our insurance is through my retirement. We pay for it, but not nearly as much as purchasing it on our own. Every year we have the opportunity to change our options/selection, just like if we were employed.
I've had two full knee replacements in the last two years and two foot surgeries as well as the most recent carpel tunnel surgery in Washington at Group Health. However, we have our insurance through Kaiser in California.
Here is how it works:
First: We are about 150 miles from the nearest Kaiser facility in Washington. We are only 30 miles from Group Health.
Second: We are only covered by Kaiser because our registered home address is in California. When we recive medical care in California we would have to pay a $20 co-pay for each visit. Kaiser is under the Permanente Corporation who also own Group Health. When I'm in Washington (where I now choose to get most of my medical care) I pay NO co-pay at Group Health.
On the other hand, if I had registered my address in Washington, I not only would pay another $100/month for the premiums, but I'd also have to pay a co-pay for my visits. Go figure.
I will eventually switch our address to WA when we sell the last house in CA and I can qualify for Medicare. Then my IBM sponsored supplemental insurance will be through Group Health and the premiums of $544 (including vision and dental) will go down to about $80/month.
When it was time to sign up for insurance again last October, I called the support people and asked them which way to go. The answer was, "registering your address in CA is still the best, it will save you $100/month and all the co-pay", so that is what we did.
When I first signed up for insurance because of a move, it was in June, mid-year and no problemo.
I know you are not moving from state to state, but call and find out if a local change of address would qualify you for a mid-year change to your company's sponsored plan. You would be surprised how helpful some of these benefit consultants can be. They get paid for providing good customer service and making you happy, not for "saving the company money" by refusing you insurance.
Also, someone suggested your contact your HR department. Talk to them, as well, and see if you can brainstorm the change.
Life is a game. There are hurdles and goals. Loses and wins.
You will make your goal. You will win.
JudyRoss