Are you and your spouse on the same health insurance?

posted 3 years ago in Wellness
Post # 31
Member
9454 posts
Buzzing Beekeeper
  • Wedding: July 2016

Darling Husband and I are each on our own employers’ insurance, though for the brief period when Darling Husband was unemployed he was on mine.

There is functionally no difference, for us.  If we had kids it would make sense to be on the same plan because the family out of pocket limit maxes out (so I have a 2k out of pocket limit, if he was on the plan we’d have a family 4k; 2k per person.. but if we had a kid or two on the plan it’d still be a family 4k; 2k per person.  I.e. if Darling Husband, me, and our hypothetical kid each had 1.5k worth of co-pays in the same year, we’d end up paying 4k altogether, even though none of us hit our personal caps.)

Yes.. the plans are slightly different, but for most purposes they’re very similar.  At my company (and his): if your spouse can get insurance through their work then it’s actually more expensive to put them on your plan.  It makes sense: basically it’s saying “we won’t subsidize your spouses health insurance if we don’t have to”.

Post # 32
Member
21 posts
Newbee

Fiance will be added to my insurance once we get married in September – right before he turns 26 and would be off his parents. He had planned to go on his employers but I told him that wouldn’t make sense because he’d have to pay per month in addition to reaching his deductible. I pay nothing out of pocket for insurance and my employer pays the deductible. Its 100% payed for whether single or family – so in my opinion it was a no brainer. 

Post # 33
Member
1171 posts
Bumble bee
  • Wedding: March 2017

We each just stayed on our own plans when we got married. We’re both working professionals (white collar) and both already had good healthcare insurance through our respective companies.

Our big debate has been whether it will be worth it for him to add me to his health insurance for next year, because we’re trying to get pregnant. It’s expensive, but so is labor and delivery and all of the costs leading up to it, which would be 100% covered if I was double covered by both of our insurance carriers.

Post # 34
Member
9454 posts
Buzzing Beekeeper
  • Wedding: July 2016

emeraldbee :  I’d guess you just need to see if a year of paying the premium is greater or less than your max out of pocket on your current plan minus the deductible of the two plans… right?  I hadn’t really thought to even check this out, so thanks for the suggestion!

Post # 35
Member
9334 posts
Buzzing Beekeeper
  • Wedding: October 2013

Darling Husband didn’t join mine until DS was born.  it was cheaper for us each to be on our own. Once there was a 3rd member in our family, it was cheaper to all be on the family plan.  I like my insurance and wanted to use ours.  We could have gone to his too.

Post # 36
Member
1171 posts
Bumble bee
  • Wedding: March 2017

amanda1988 :  Exactly! but we just got married 3 months ago and are selling my home and buying a new home and moving in 2 weeks, soooooo…we have a few other things we’re trying to get through first. haha!

I was double covered when I was pregnant with my daughter and it was super nice to never have to worry about co-pays, etc.

Post # 37
Member
1048 posts
Bumble bee

Darling Husband just recently added me to his. My employer for many years pays for our insurance 100%, even puts money on a visa card to cover copays, but it has a limit/high deductibles. 

(Pretty much if I got hit by a bus or had a really bad accident, I’d be screwed BIG TIME)

Darling Husband works for the state and has way better benefits so went with his. 

Post # 38
Member
9454 posts
Buzzing Beekeeper
  • Wedding: July 2016

emeraldbee :  sure, that sounds nice!  I’m switching insurance during my open enrollment (I’d effectively switch plans Jan 2018) so that I can deliver with my OBGYN.. because for some insane reason my OBGYN is in-network but the birthing center she delivers at, and the hospital it’s attached to should we require the NICU, are not. undecided  (Note her office is in the SAME medical facility, so it’s not like the entire facility is out of network.. just certain parts of it.)

Luckily my employer offers multiple insurance packages and the more expensive package (not surprisingly) covers the hospital itself.  We’re not pregnant yet, just TTC, so unless the baby came super early we should be good.  Anywho, again thanks for the suggestion, DH’s open enrollment is really soon and I don’t think I’d have thought to get on his plan.

Post # 39
Member
1171 posts
Bumble bee
  • Wedding: March 2017

amanda1988 :  Good luck! The way facilities vs doctors are covered is really weird. I’ve run into that before, too.

Post # 40
Member
1236 posts
Bumble bee
  • Wedding: May 2018

We are each on our own currently. He pays his employer a decent amount while I pay next to nothing since have a very generous employer that covers the premuims. However, my employer has a rule where if your spouse works full time, they have to be on their own employer’s insurance (way to many people’s spouses had been switching over to the “free” health insurance. So basically, neither of us can or should move to the other’s insurance.

Post # 41
Member
156 posts
Blushing bee

My husband and I are on our respective employers plans. Neither of them contributes to the employee+spouse plan at the same rate as the employee only plan, so it’s worth it to have two plans and each get the full employer contribution. 

Post # 42
Member
133 posts
Blushing bee

My plan is a little better than his, but it costs an arm and a leg to add a spouse so he stayed on his. It hasn’t been much of an issue. I mainly have to make sure that we keep track of all of the receipts for taxes since it’s a pain to access each other’s info and manage it. 

Post # 43
Member
2109 posts
Buzzing bee
  • Wedding: May 2015

I’m on his plan, but for this year only it is my secondary insurance because I’ve been having so many surgeries. My primary right now is my parents’ insurance (I’m under 26) because their out of pocket cap was amazingly low and I reached it in January so everything else is free through the end of this year. I’ll go off their plan at the end of this year and have just DH’s insurance for 2018 on.

Post # 44
Member
2324 posts
Buzzing bee
  • Wedding: March 2017

We are on separate plans because it makes more sense financially. My Darling Husband really has the better plan because he has lots of options for doctors. However, my employer pays for all of mine. So, I might as well pay $0 for a plan! 

Post # 45
Member
844 posts
Busy bee

We coordinate… He is on mine and I’m on his… When we go to dentist or get prescriptions our own insurance covers us up to the limits… Then the other insurance kicks in and pays the rest.

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