- The spouse does not have access to employer-based coverage.
- The cost of employee + spouse coverage is lower than the total cost the couple would pay to purchase single coverage at each of their employers. Or, if they are insuring their kids, the cost of family coverage is lower than the total cost the couple would pay for employee + children coverage at one employer and single coverage at the other.
- The couple is willing to pay a little more to be insured under the same policy.
- Working full time for an employer that doesn’t offer health coverage.
- Working part time.
- Not currently employed.
