Reply #34: Restructuring your plan, or putting your daughter on a separate plan may help [View All]

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With regard to your daughter coming off your Health insurance plan in June or costing you an extra $500 per month, you could consider taking her off the family plan and arranging a separate insurance for her. Her age suggests she may be able to qualify for a lower premium, or, if she is in good health, you can consider a plan with a higher deductible, or one that covers her immediate needs plus any catastrophic coverage. This may be better than restructuring your family plan, especially if you and your husband have concerns around not qualifying for a new policy. For transparency, I work with http://www.HealthCompare.com a health insurance exchange. Understanding the market, I know there are some good plans out there that may be suitable. Good luck in your search and congratulations on the graduation.