Should one member just waive their insurance coverage if the SO's insurance coverage is good enough?
My Insurance plan has a high premium and low deductible, My wife's insurance plan is expensive and also has high deductibles and copay. We are considering waiving her basic coverage and just going for Life insurance, vision and dental through her plan.
Am I missing anything? Any suggestions?

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Nope, why pay twice ? Get the better coverage and cancel the other

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As a former benefits broker, i’d always advise folks to do their own cost-ben analysis by comparing premiums and benefits (whats most important to your family’s needs). Some times is better/cheaper to cover separately, esp since many firms contribute the most to Employee only coverage. some times it’s better to be on the same plan (esp for admin reasons). Do what’s best for your family

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I’d make sure to take a hard look and some in depth analysis. Most times it makes sense to keep your individual company sponsored insurance if y’all don’t have kids. Of course that’s not all the time. If/when you have kids, the math can change on this. Also some understanding of what sort of needs you’ll have going forward are necessary.

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Yeah. I have always used my wife’s insurance coverage as it has been miles better than what my employers have offered. So we use her for Medical, Drug Coverage, Vision and Dental and also her FSA. Also, Employee + 1 is cheaper than 2 separate policies. Only drawback is her’s doesn’t offer an HSA.

I use mine only for STD, LTD and additional term life for the group rates.

Nope. Go with the best plan and costs overall.

I got onto my husband's plan this year. My company lowered their HSA contribution significantly this year, and even though my husband's plan with me was higher, his employer provide a much higher HSA contribution. Just made sense to have one plan.

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