"Employers often use one of the following four methods to reduce the number of spouses they cover: [1] Charging employees more to cover spouses who have access to employer-sponsored coverage through their own jobs. [2] Charging employees more to cover spouses whether or not they have access to other coverage. [3] Choosing not to cover any spouses who have access to their own employer-sponsored coverage. [4] Choosing not to offer coverage for any spouses under any circumstances."  MORE >>