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Employers No Longer Love Insuring Working Spouses

Is your working spouse on your health insurance plan? Well, he or she is going to cost more to insure, thanks to spousal surcharges!


This surcharge is all in the name of rather unromantic cost containment. Sure, you've been able to get the same seasonal allergy medications for a fraction of the cost courtesy of your spouse's amazeballs health insurance plan, but if you insist on bumming off your spouse's plan when you have access to other insurance, then you can expect to pay through the nose for it!

Well, maybe not through the nose, but you could be paying an indirect surcharge soon. Sniff.

Last year, more than one-quarter (27%) of employers charged spouses a surcharge for health care coverage when they had access to another employer-provided health insurance plan, and the number of employers adding "spousal surcharges" is expected to jump to 56% by 2018, according to Willis Towers Watson.

The average employee is currently paying a "spousal surcharge" of $1,200 a year for health coverage, according to data.

Working couples will have to do the math at enrollment time.** Do we stay together on my plan, or do we file for a trial healthcare plan separation? These are the times we live in, for better or worse.

** Warning: this whole process could make your eyes glaze over, especially if you no longer have access to vision coverage.


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