I currently pay 27 dollars twice a month for just myself. I’m looking to add my spouse to my insurance plan. If I add children it increases my premium to 190 a month, if I want my “whole family” covered it gets increased to 245 a month.
Why am I not able to just add my spouse for 55$ a month?
This is some bullshit. Thanks America.
Addendum: Just heard back from HR, this is working as intended.
Children have maybe a few doctor appts per year, maybe an er visit every so often. Chronic illnesses are extremely rare. Adults on the other hand have many more specialist appointments, hospital stays, chronic issues requiring follow up appointments. Adults cost way more to insure and that’s why the costs are so different.
Comparatively, kids are quite cheap to insure.