Article: EMPLOYERS WON'T PAY FOR OUTSIDE COVERAGE.(Moneywise)(Health Care Notebook)(Column)

Byline: JAMES T. MULDER HEALTH CARE NOTEBOOK

Q My wife and I both have separate health insurance through our employers. My employer pays my premium in full, but there is a $1,000 deductible. My wife's employer offers better insurance.

We are thinking of me going on her policy. I am considering asking my employer to pay me something toward this insurance. I think it would be a win-win situation for both my employer and us. We both would have less cost involved. Is there an advantage for my employer to do this?

A There are more disadvantages than advantages.

There's nothing in the law stopping your employer from doing this, according to Andy Marshall, president ...

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