Not 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 co

Not 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.