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BCBS has a nice family plan
Canada
Depends on IBM plans and options. Remember you can change the plan when you child is born. If your partner works too you might be better off with split coverage. You on one and kid and partner in the other.
Just depends on the options, costs and needs
Congratulations on the baby
Don’t forget to add short term disability coverage for wife. In some states it’ll close the gap on salary during leave (and before).
I don’t think so. But something to consider if the math adds up for her insurance.