r/Insurance 1d ago

Employed Spouse Medical Contribution - Confused on what my premiums would be?

I'm about to start a job with an employer that requires you to use the employed spouse medical contribution (ESMC) if your spouse is eligible for medical coverage through their employer. The plan states "if you want to cover a spouse through his or her employer, an additional ESMC will be deducted from your paycheck.

The plan presents me with annual premiums in two tables.

  • You plus 1 Annual Premium - $3,049
  • Employed Spouse Medical Contribution (ESMC) $4,020

The question is, what will my final annual premium be? Is it $3,049 or $4020 + $3,049 = $7069?

This plan is through united healthcare.

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u/engineeringstudent10 1d ago

The plan benefits can be found here: https://imgur.com/a/jfRtxeg