That is a very good point zcaveman. Even if you work for a company that provides health insurance at "no cost" to you and your dependents, somebody still pays. It comes from the company's budget (remember company means people) in some way, shape or form. The same for "free" government health insurance. The government is we, the people. We will pay.

If you pay for insurance through your company, you will have to pay the rate for an additional dependent.