Benefits Think The unintended consequences of spousal exclusions

Published Updated 6 Min Read

  • On the one hand, Katie’s husband’s employer has every right to essentially exclude working spouses from its health plan. The Affordable Care Act, after all, implicitly endorses this arrangement via the employer shared responsibility rules.
  • On the other hand, I’m generally opposed to policies that incentivize individuals desiring to work to stay out of the workforce or to work less than they naturally desire. Individuals who enjoy their life’s work should be free to pursue happiness without restriction. The unrestricted pursuit of happiness benefits the individual, our economy and our society.
Zack Pace
Senior vice president, benefits consulting

Zack Pace is senior vice president, benefits consulting at CBIZ, Inc.


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