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If not legally separated, you will probably have to wait until open enrollment through your employer to cancel her insurance. If you do get legally separated, you can cancel insurance as you have had "change in status." Usually insurance companies will process changes outside of open enrollment when you have a change in family status. An example of this would be getting married, having a baby, or getting divorced/legally separated.

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Q: Can a husband cancel his wife's health insurance if not legally separated?
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If you are legally separated can you cancel your spouse's health insurance in the state of New York?

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