Is working spouse a dependent for health insurance?

The policyholder is the individual who has primary eligibility for coverage – for example, an employee whose employer offers health insurance benefits. A dependent may be a spouse, domestic partner, or child. You can cover your biological, adopted, and step children.

Can you get health insurance if both spouses work?

Some employers will not allow you to cover your spouse on your plan if your spouse can get their own coverage from their employer. If so, separate coverage for each of you would be your only option. And some employers may charge a “spousal surcharge” to cover your spouse if your spouse can get their own coverage from their employer.

What kind of benefits can a spouse get as an employee?

Your spouse/employee can receive any benefits given to other employees, including employer-provided life insurance. Premium costs up to $50,000 of group term life insurance are not taxable to employees and are deductible as a business expense. 7 What Are the Drawbacks of Treating My Spouse as an Employee?

What happens if one spouse has employer coverage?

If one spouse has employer coverage it doesn’t effect whether the other spouse has to be offered coverage. The family is free to choose either employer plan, although they should choose the best option for them.

Is it cheaper to cover your spouse as an employee?

If your business provides health insurance coverage to employees, you may find it cheaper to cover your spouse as an employee rather than as a dependent under your coverage as an employee/owner.

Are there any employers that still offer spousal coverage?

Some employers have changed their approach to spousal coverage in recent years, but this is a trend that was in place long before the ACA. And the vast majority of organizations that offer health insurance continue to offer coverage for spouses.