Tuesday, March 22, 2011

Is it legal for a company to refuse to put a spouse on health insurance?

Is it legal for a company that you work for to refuse to put your spouse on your insurance if they are able to get their own insurance at the company they work for?
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A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer. If however it is a fully insured plan then it is not legal. Self funded insurance does not have to follow the same guidelines as fully insured groups.
Source

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