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Originally Posted by Rodey
Real life question: it's cheaper for my wife and I to remain on separate health insurance policies, from a premium standpoint. Is that too simplistic of a way of looking at it? Am I missing something?
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I think something else to consider is how often you go to the doctors or use your health insurance. You should look at the deductibles and out of pocket maximums for both plans and compare. It may be more advantageous to be on the same plan, even if its a more expensive premium. You could potentially hit your out of pocket maximum quicker. This was the case with a planned surgery I had and subsequent physical therapy sessions a few years ago.
You should also look at what is covered under each plan too. Some plans may cover an annual checkup fully, others may not, etc.
It really depends on how often you go to doctors. If you go once a year for a physical or something, then it probably makes sense to go with separate plans and cheaper premiums. If you're planning for anything serious (having a kid, surgery, etc), you should look into the details.