He should have got a policy that covered everybody when open enrollment was happening... I can't think of a reason why he didn't... Consolidating family policies is not a qualifying event, he can change if up next enrollment.
Oh you... I spent 12 years in hospital administration, I've seen all the circus acts. I know an Endo doc who 11 months into the fiscal year calculated that she met her salary and benefit RVU benchmarks for the year, so she told management she would be taking off that next month and to cancel her 32 half day clinic sessions. Management refused, as some patients had waited 4 months for those Appts... She called each patient and told them not to come in and schedule with someone else.
This case was extreme, but the bitching about making 300k and only working 45 weeks a year got REALLY old for me, and the cases were too many to count.