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Originally Posted by preciousjeni
HEALTH INSURANCE
Can someone explain to me the "underwriting methodologies" that would make it more than twice as expensive to have married insurance (no children) than it would to have two single insurances?
Example:
Single insurance = $300/month
Married, no children = $800/month
Not married, with children = $700/month
Family (married with children) = $1200/month
Why in the world does it cost so much for married with no children? Please help me understand!
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Is the "single" price for the husband?? Women are always much more expensive for health insurance for two reasons: 1. Pregnancy 2. We actually go to the doctor before we're on our death bed.
If the "single" price is for any employee (if this is company health insurance), then the insurance company has a 50/50 gamble that the employee with be a female. With the married, they know one is a female, and therefore charge the higher price. Or it could be that the company you work for picks up a portion of the single price, but not the married price.
I guess the question is, who is the insurance company, and is it indivdual, or through work?