re: Insurance: spouse can't get coverage

quote:

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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.