Insurance: spouse can't get coverage

Thanks Obama

fairly common these days but from what I have seen the check is nothing more than what she says on a form. They don't verify.

Super common now.

my wife used to work for them. i remember shitty benefits all around...

Thanks Obama

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She says I can't get on hers because they don't offer coverage for spouses unless they are NOT offered insurance plans for the company they work for.

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It's still somewhat rare to see, but this is becoming more and more of a thing. She is probably telling you the truth.

Some companies won't allow spousal coverage at all if you are offered coverage at your work. Other companies will allow it, but will add a surcharge.

And it's not just private companies doing this. The St Tammany School Board does the surcharge thing.

Hmm, I've never heard of this but the responses here seem pretty uniform that it's a thing now. I guess it's a new thing under Obamacare.

frick that guy.

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Hmm, I've never heard of this but the responses here seem pretty uniform that it's a thing now. I guess it's a new thing under Obamacare.

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All of the expense, headaches, etc, involved in dealing with health insurance these days makes large companies not even want to offer it as a benefit. They only reasons they still do is:

1) They are required to offer it to employees

2) Employees expect coverage availability for spouses and kids

3) It's a way to provide value to employees without paying payroll tax on it.

Companies aren't required to provide coverage to spouses and kids, and very, very, very few companies subsidize that coverage. So that takes away points 1 and 3 when it comes to offering coverage for spouses and kids. And I think point 2 is only going to hold on so long. Eventually, a few companies will decide to drop coverage alltogether except for employees, and when that happens, look out.

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You should probably learn to read.

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Been working with some third graders on witty comebacks all day?

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I guess it's a new thing under Obamacare.

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Don't guess, Google.

Obama did not start this. Employers started the trend before Obamacare came along. Obamacare does mandate the employer provide coverage to the employee's kids, but spousal coverage is not mandated, and it never was.

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the trend is older than Obamacare, says JoAnn Volk, a senior research fellow and project director at Georgetown University’s Center on Health Insurance Reforms in Washington, D.C.

“Before the ACA, there were a lot of employers that would not extend coverage to spouses if they had an offer of coverage through their own employer,” she says. The health care law doesn’t require employers to cover husbands and wives in their health insurance plans, she adds, just dependent children.

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Some experts predict that companies will eventually eliminate spousal health coverage altogether, even for husbands and wives who don’t have their own employer health insurance to turn to.

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LINK