Health Insurance Center
Health Insurance Q & As
Question 8 of 13 in Employer-sponsored Group Policies
Doesnt my employer have to cover my spouse and children under my health plan?
No. Most health insurance plans have available riders to extend coverage under the policy to spouses and other family members. The cost for the additional insureds is much less than if purchased on an individual basis. Some employers pass the cost on to their employees, while others pay a percentage (up to 100%) of the additional family coverage.