Is insurance mandatory for dependents?
October 3, 2012 11:15 AM Subscribe
Is an employer in New York required to extend health insurance coverage to the employee's spouse and dependents?
posted by anonymous to Work & Money (4 answers total) 1 user marked this as a favorite
I work for an employer in New York. This employer has more than 50 employees, but is not a huge corporation. I am eligible for health insurance coverage for myself through this employer, which I have been using.
I would like to add my spouse and dependents onto my insurance plan, because my plan involves zero contribution from me. The company would prefer not to do so, as their costs would rise by a lot. They proposed to give me a raise in salary, but only if I moved all of our insurance to my spouse's employer-based insurance.
From my perspective, either the status quo (lower salary and only me on my insurance) or the proposal (higher salary but all of us on my spouse's expensive and not quite as good insurance) is just about even, money-wise. Benefits to me would be a correspondingly higher employer contribution to my retirement and a history of salary increases for my career path, as well as bringing me more in line with the salary for my level of position in my industry. There would be no change in my spouse's salary or anything. I know that there's not a whole lot more room in the budget to negotiate for a higher raise, and I'm a terrible negotiator going up against two excellent negotiators.
Are they even allowed to refuse to cover my spouse/dependents, if I myself am eligible for coverage? What legs do I have to stand on to negotiate?