At the end of 2007, to save money, I chose to not re-enroll in my employers insurance (UHC) but to use my last year on my parents insurance, before turning 26 next year and getting booted off, to save some money by not double insuring myself. Then I decided I wanted to get banded and found out that my parents insurance, Altius, does not cover banding but my employers insurance, UHC, does.

So I spoke with my HR department today and they said that if my coverage was terminated with my parents plan I could enroll with them and not have to wait for the end of the year annual enrollment.

So here is the question - they work on the honor system. If I tell them that the coverage has been terminated they take my word for it, I enroll with UHC and get banded sometime this summer. Otherwise I have to wait for January and hope my company keeps UHC next year. Any thoughts and opinions would be appreciated, I am on the fence on this one. Thanks guys, love this forum!!!

This comes more under the heading of insurance fraud rather than white lie. I don't think it is worth the risk, apart from the dishonesty angle. If necessary, wait until next year when you can sign up for insurance again.

By the way, as far as I know there is no fraud in asking your parents to cancel you off their policy just so you can get coverage through your own employer. The law simply states that you can get coverage outside of your open enrollment period when there is a qualifying event. Being cancelled from your other coverage is a qualifying event regardless of the reason why you were cancelled.

Do whatever u have to do to get banded. It could save your life.