Many families put everyone on one spouse’s plan for simplicity and don’t “shop” the other spouse’s plan, says Jeanne Wyand, a senior consultant with Towers Watson in Boston. That’s always been a mistake, but it will be even more so as employers respond to rising healthcare costs and Obamacare mandates by making changes like adding spousal surcharges and reducing subsidies for spouses and dependents. “What’s really driving this from the employer side is that the incremental costs that are being assessed onto their plans are starting to get unmanageable,” Wyand says.
Where do those "incremental costs" come from--yeah Affordable Care Act and piggy back state mandates.
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