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Ask the Health Insurance Expert

My husband put me on his health insurance this coming year. (His coverage is Better.) My work also offers health insurance and they contribute most of the premium. Is there a reason why I should NOT have two health plans? Would my husband’s insurance be the primary? My work secondary?

The main reason would be that you could be paying for duplicate coverage. Why not just go on your husband's plan if it's better?

But if you analyzed the choices and feel that the plans offer a good spectrum of benefits together, it may be worth the extra cost.

Your group health plan will likely be primary for you, and your husband's plan likely primary for him, but check with your benefits administrator to confirm.

Last updated: Dec. 4, 2012