My husband has been working with the same employer for 11 years. When he was hired the policy was: he pays 100% family insurance and after each year of service his employer would pick up 10% of the premium. 1st anniversary they pay 10% 2 anniversary they pay 20% 3rd anniversary 30% etc. Now that he has been there for over 10 years and due for full 100% employer paid premiums, they decided to change that policy and only offer it to the employee alone. After all these years of paying extra on the premiums (knowing that one day we would have full family coverage for free) they change it so that he now has to pay 100% to cover his family. Now, I also have full family benefits like the typical employee medical package. I could easily include him on my family plan and it won't cost me a penny more since it also covers my 2 children. The policy I pay is for 3 or more family members. However, he's stubborn and says that even if he never uses it, he's not letting his employer get off without paying his full policy. So, technically, he is covered by both my policy and the one with his employer. I fear that this can cause problems in the future. Can an insurance company get out of paying a claim because he is covered by another separate insurance plan? When it's time for benefit enrollments, should I see about dropping him? Should I keep it the same? Is one policy supposed to pay before the other one does? Please help.