You may find yourself in a high-priced health plan you can no longer afford because of a temporary pay cut, be unable to get the medical care you might have planned and budgeted for or not be sending the kids to day care. Normally you’d be stuck with the choices you made unless you had a major life event such as losing your job, getting married or having a child. But this year, things may be different. This month, the IRS announced that it would let employees add, drop or alter some of their benefits for the remainder of 2020. But there’s a catch: Your employer has to allow the changes.