re: Anyone have a spouse surcharge on company health insurance?

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Because they are having to cover someone they otherwise shouldn't have to cover.

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The way the other poster worded it was kind of fricked up, but I do agree with him that it’s a kind of shitty practice that seems to have become the norm.

The fact that my wife has a job with benefits does not increase the cost of coverage for my insurance company. If anything, I’d think it would decrease slightly because she could potentially be covered by workers comp if any injuries occur throughout the day.

The surcharge is just a way for companies to decrease the number of people covered under their group plans. Does that decrease the overall premium for everybody? Sure it does, but the way it’s implemented basically makes employees with dual-income households subsidize those with single-income households either by a) not covering eligible family members or b) paying an increased premium. Personally I think it is screwed up, but c’est la vie.