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Spousal Carve-Outs and Surcharges (PDF)
VCG Consultants 
Mar. 8, 2023 "Employers looking to lower their health plan costs have considered ... spousal surcharges and carve-outs, which either impose an additional or increased employee contribution or restrict eligibility for spouses with access to a health plan through their employer. A more aggressive approach excludes spouses from enrolling in the plan altogether." |
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