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re: The rest if the details

Rarely, if ever, does an employer pay for spouse/dependent coverage. What you may find is that an individual policy covering the spouse AND dependents may be less expensive than paying for spouse/dependent coverage through the state plan. One word of caution...Obamacare, or should I say "obamacrap" has led to no insurance companies issuing child-only health insurance policies.

As far as the obese and smokers only being eligible for the 70/30's all about risk management. Obese employees and smokers are a higher risk and generate higher claims, statistically, than those who aren't obese and don't smoke.


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