Is it legal to enroll a family member in a health insurance plan if you're not the POA?
A family member who I take care of with multiple health issues won't take charge of their finances and is being walked all over by the health insurance plan they have. I have experience in picking plans and did some work and found a plan that covers their needs and would cut their cost in half. Just one problem, they won't listen to reason and claim they can't afford it. It has a $0 monthly premium and a yearly deductible that is only a fraction of their medical bill this year. After checking out the reputation of various companies, it's tempting to just enroll my loved one in a plan. I'm not sure this would be treated lightly by Medicare who probably would not like when you log into someone else's account. My relative does not care less if I log in on their Medicare page but still wants to argue about my finding a better insurance plan.
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We r on an employer plan that if we drop it, we cannot get back on.
People have a right to make poor financial decisions, and if they're competent, you're stepping way over the line.
Is this person competent? If so, it is best to leave it alone. If declared incompetent, then you have the responsibility to do as the person would do.