Other Coverage Flags

We currently have a user field set up to reflect other coverage for medical and dental (one each).

However (similar to my wellness credit question), an employee may not have other coverage in the current plan year, but then have other coverage for the future plan year. In order to get the opt out credit, they have to have other coverage. During open enrollment we experience issues because their flag currently may be set to "N" but for the new plan year, their flag should be set to "Y" and their rates should reflect that on their confirmation statements and BN32.

Any thoughts on how to get around this?