[njbchbum]

blueash - Yes, those are important points. Not having the spouse's coverage as secondary coverage therefore places a greater stress on the spouse for having to pay more money out-of pocket for medical expenses. And that reduces their disposable income for other things that families need. Not a big win for them, eh? How many practitioners accept ONLY the amount that an insurance plan pays and does not bill the patient for the remainder of their customary costs.

And then there is the fact that more Americans have health insurance under obamacare because of the expansion of medicaid, or they were forced off their employer's coverage and had to subscribe to an exchange plan [some of the latter group paying higher deductibles and copays]. Or, as a part of the 'whole story' re coverage, they did obtain coverage because of the benefit of a subsidy.

Now go and do that internet search and read more of the