An affidavit of spousal health insurance is a legal document that may be required by an employer or governmental health plan (such as a state's Children's Health Insurance Plan or CHIP) that documents if the employee or applicant's spouse is employed and if they are eligible for or covered by their employer's group health insurance plan. This form will be used to determine if the spouse is eligible for enrollment or determine that their employer's plan will pay in a primary capacity (pays the claim first) and the other employer's plan or the government based health plan will pay in a secondary capacity (paying on any unpaid balance after the primary insurance carrier has paid on a claim).
Expect to see these types of forms in your workplace or if you or a family member are accessing public health insurance programs. Increasing numbers of employers, both private sector and public sector, are making efforts to move dependent spouses who have access to health insurance elsewhere off of their plans and onto the spouse's employer's plan. Increasingly an additional premium penalty is being applied to employees who insist on covering a spouse who has coverage available through another employer or source. And, in the more extreme circumstances some employers are declining to cover spouses at all. These actions are a result of the increasing costs of health care that employers and governmental agencies are experiencing and to a quirk in the Affordable Care Act (ObamaCare) that does not define a spouse as a dependent. Unfortunately, this is what happens when politician's pass a law without reading it as was the case with the 2010 passage of the Affordable Care Act.
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Expect to see these types of forms in your workplace or if you or a family member are accessing public health insurance programs. Increasing numbers of employers, both private sector and public sector, are making efforts to move dependent spouses who have access to health insurance elsewhere off of their plans and onto the spouse's employer's plan. Increasingly an additional premium penalty is being applied to employees who insist on covering a spouse who has coverage available through another employer or source. And, in the more extreme circumstances some employers are declining to cover spouses at all. These actions are a result of the increasing costs of health care that employers and governmental agencies are experiencing and to a quirk in the Affordable Care Act (ObamaCare) that does not define a spouse as a dependent. Unfortunately, this is what happens when politician's pass a law without reading it as was the case with the 2010 passage of the Affordable Care Act.