Medical Insurance?

[Werewolf]

...Since adding the fam costs like double the employee, it just seems like it would almost always be cheaper for a couple to each have their own coverage as long as there aren't any dependents involved.

Lots have mentioned this about adding dependents. Not in my experience.

Maybe I've been lucky but the 3 firms I've worked for in the past 25 years adding the wife never cost more than 1/2 again as much as the base premium and adding kids was almost nothing.

For example at my current employer it's something like $80 a paycheck for me, an extra $30 for the wife and another $20 for any number of kids so max is around $130 or so. That's pretty typical for every place I've worked.

Then again 2 of the 3 have been Fortune 100 companies and the other a Fortune 500 company. That may be the difference as I imagine the more employees covered the cheaper the premiums.

ASIDE: HR is being really cagey when asked about premium increases in Jan. Meeting the new healthcare insurance mandates is expensive.

Thanks OBAMA! For NOTHING!