4 ms·
This is actually a pretty significant incentive issue with health insurance. Companies are encouraged to not choose the most comprehensive plan, so that their d
by ThrustVectoring 10y ago
This is actually a pretty significant incentive issue with health insurance. Companies are encouraged to not choose the most comprehensive plan, so that their dual-income married employees choose to use the other company's insurance.
- joezydeco 10y agoMy company actually adds a surcharge to the family plan if your spouse works and is offered health insurance through their employer.
- mrfusion 10y agoHow would they know?
- joezydeco 10y agoNot quite sure. I suppose it's an honor system until they find out otherwise. Lying on an insurance application is an incredibly effective way to lose your coverage completely. Your coverage is essentially $X higher until you sign the waiver saying "I affirm that my spouse has no other coverage options from another employer". That's how you're obligated to the policy. HIPAA also doesn't prevent an employer from finding out if your spouse has insurance options elsewhere.