When you got married, did you join your spouse’s healthcare plan, or stay on your own?

If you planned on starting a family, did you stay on a high deductible plan or go to low deductible?

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My husband joined mine. If you’re planning to start a family, definitely get on one plan.

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We review it each year to see what makes sense. My husband is on his company plan because it's 100% covered for ee only, but he rarely uses it, so he has an HDHP with an HSA. The kids and I are on my plan with my company covering much of it so we choose a PPO plan with FSA. We have the best of both worlds.

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I find “start a family” to be inaccurate. You already have a family.

You are looking to have children. THAT would be the better way of putting it, because “starting a family” is disrespectful to people who either can’t have children or choose not to.

After all, people who don’t have children have families too, just like everyone else.

So yeah…the proper and appropriate phrase would be “If you chose to have children…”

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F

Thanks everyone!

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