It is open enrollment time for me: My employer has chosen to change our Health Insurance provider (moving from UHC to Aetna) which is causing us to pay about 10% more in health insurance and is also a much worse insurance (0% coinsurance UHC vs 30% coinsurance Aetna and about 30% higher individual and family deductibles). My wife has individual insurance through her employer but could get family coverage via "qualifying event". It is not open enrollment time for her as she is a teacher and their open enrollment is in June. Does our situation count as a qualifying event which will enable us to make the change now?