Individual Health Insurance

Individual Health Insurance

Children Health Insurance

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children health insurance
Why does employee+spouse cost so much more than employee or even employee+children Health Insurance coverage?

I’m enrolling in the Health Plan at my new job and my cost per pay period is 10x higher if I elect employee+spouse over just employee coverage and 5x higher than employee+children. Just curious if anyone in the know (or in the biz – ha!) can explain why adding one person adds so much to the price and furthermore, why one spouse costs more than (theoretically) a whole slew of children.

Because the employer kicks in the most money, towards just the employee’s premium.

It’s not that the price is actually HIGHER, it’s that the employer pays less, towards the total.

And you can’t add a whole slew of children – once you add more than one, you get “family” coverage, regardless of how many you add. When you add a spouse, you drastically increase the chances of maternity claims.

Stupid Children Health Insurance

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