CouplesBenefits

The Opt-Out Math

200 employees. $25,000 per plan. 37.5% have dual coverage through a spouse. Watch what happens when you offer an incentive.

160M covered nationally 60M dual coverage (30M couples) 37.5% of your workforce
Baseline No incentive, only 28 opt out
With $4,000 Incentive 70 of 75 opt out
Single coverage — locked in (125)
Dual-eligible — staying on plan
Opted out (no payment)
Opted out + $4K incentive
Stays — doctor is in-network (5)
Your 200 Employees 200

Cost Comparison

Everyone covered (no opt-outs) $5,000,000