Last July, in “The alternative to health plan spousal exclusions,” we discussed the growing spousal exclusion trend and shared a gentler, more efficient technique to consider. However, one year later, as EBN recently reported, the spousal exclusion trend continues to gain momentum.

Yesterday, a reader of last July’s essay reached out to me for advice. Let’s call her Katie. Her predicament underscores the unintended consequences and economic and societal challenges associated with spousal exclusion policies. Her situation is worth our careful consideration. Facts and circumstances:

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