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Here's the situation. 11 employee S-corp is starting a virgin group. Both owners will have to join in order to hit the required participation. One of the owners' wife is 2 month pregnant. I'm thinking she should keep her current IFP until the baby arrives and keep the future group rate down especially considering how one of the employees already has a pre-ex condition (kidney stone). I figure she's been paying high premium toward her IFP so why not use it before she joins her husband's group policy? Am I thinking this right?? I'm in CA and still learning health.