Ask the Health Insurance Expert

I work two jobs. Can I have two health insurance plans from each employer?

I don’t see why you couldn’t purchase a health insurance policy from each employee if you’re offered a plan by each, but why would you want to pay for redundant coverage?

One plan won’t cover the other’s deductibles or co-payments, so I believe it’s better to research both plans and find out which fits your financial and medical needs and choose just that one.

Having two policies could also be a nightmare for the coordination of benefits. It’s possible that each health insurance provider might say that the other plan is primary. Just for the potential red tape alone I wouldn’t recommend having health insurance plans with both employers.

Last updated: May. 23, 2014

By Penny Gusner

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Ask the Insurance Expert

Penny Gusner Consumer Analyst

Penny Gusner has been working in the insurance business for more than 10 years. She researches your questions, from the routine to the bizarre, with equal enthusiasm. Read More

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