how do i get removed?

i (22) am currently on my mom’s husband’s insurance he gets through his employer (cigna, but the shitty kind). their plan honestly sucks and i did not think about it hard enough. in january, i started a new job and was eligible for great benefits. however after talking to my mom, it made more sense for me to just stay on their plan and save the $100 bucks a month.

my mom has gone absolutely bonkers and would now like me to pay what it costs to keep me as a dependent on her insurance (keep in mind she also claimed me on her taxes, so she HAS to provide insurance), which is nearly triple a month what i would have been paying to just go on my own.

i have been independent since i was 18, aside from the few hundred bucks my mom gave me throughout the years, but she has still claimed me on her taxes. for the sake of peace i never really argued and was getting fine financial aid through my college. now, i am wondering if there is a way to prove i am independent and get off their insurance? i am passed my open enrollment period for my job so i need a QSC in order to be able to enroll, or wait until october for open enrollment. for the medication and visits i need, i’d rather not wait that long so i am hoping that i can prove i am independent, get dropped from their insurance, and use that drop as a QSC to enroll in my work place.

does anyone know if this is possible? will they accept my independence and allow me to move off? if it makes a difference, my mom is in NC and i am in FL, a recent college graduate. can i use the fact that i am from a different state as well?

alternatively, is there any way for me to enroll in a prescription drug plan? many of the medications i need are VERY expensive without the coverage from my current insurance.

any help is appreciated.

submitted by /u/lottiebabe
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