Health Insurance With My Union & Current Employer Overlapped 1 Month. Will Now Need COBRA, But Not Sure How. 
Well let 's sort this out a bit . First off you wo n't get in trouble from either company for having dual insurance for 30 days . You might want to go with the plan that has the best cost and coverage for having a baby . I was going to mention this is a qualifying event as per the ACA , but they will not backdate so that 's really out for at least July . You need to get out the scratch pad and pencil out the costs of premiums , deductibles and co-insurance for your family . Your former union plan might be $ 400 a month cheaper in premium , but may leave you with more deductible or co insurance . You will need to pay up through August , since we 're in that month now . Please do n't be slow on this , the clock is ticking and the costs will only get higher the longer it takes you to get the paperwork back . Go through your paperwork from both and see when their drop deadlines are . This is something you should finish no later than this weekend . Good luck and get on it . 