How to pick a health plan for the kids

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BY BETH PINSKER

Choosing health insurance for a family used to be easier, with fewer options and fewer households where parents were each covered by their own workplace plans instead of picking a joint one.

But now more and more families must make a choice at every open enrollment period about how to cover the kids due to the advent of surcharges and exclusions for covering spouses who have the option of their own workplace insurance.

As of 2015, 17 percent of large employers have implemented or increased surcharges for spousal coverage. Half are considering doing it in the next three to five years, according to benefit consultant Aon Hewitt.

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