I'm not sure that part of Scott's article was accurate.
I worked remotely, and I'm pretty sure that I was offered benefits. I declined them, and used my wife's benefits because they were less expensive, and meshed better with local health care providers.
Downvotes are fickle things. Unrelated, why turn down the health care? With double health care you can tell you're health provider you've got double coverage and they will bill the primary first, and then the secondary for what is left (and if the secondary is designed to be a primary program it will cover all that is left so you end up with zero out of pocket, even for co-payments).
Because it was CA focused, and I was remote. So most local providers were out of network. And it was not free ... Its been almost a decade, but I seem to recall that it was cheaper to add me to my (then) wife's coverage.
You’re wrong. It is perfectly common to have double coverage. I had it on multiple occasion. You can read about it if you google “coordination of benefits”.
You’re right. I don’t know if this varies by state, but for sure I’ve had to sign contacts stating I didn’t have any other insurance in order to start various plans. So I don’t think this is universally ok but clearly there are situations that allow it, seemingly most common in conjunction with Medicare.
This is funny, because basically every insurance here in Sweden states that if you are covered by another insurance, then this one is invalid. In practice though what Iv'e heard is that the companies will always just be kind and sort of split the responsibility between them instead when something happens.
Generally different jurisdictions have different rules, but in California it is the case. And to another point made here, if you're employer is going to deduct some of your paycheck to pay premiums month to month then it can be a net loss if you won't use it enough to offset what you would have been paid.
There’s a reason guidelines ask you not to discuss downvotes, which always fluctuate. You were adding pure noise to the thread, and you tripled down on that.
I worked remotely, and I'm pretty sure that I was offered benefits. I declined them, and used my wife's benefits because they were less expensive, and meshed better with local health care providers.
EDIT: And I know we had a 401K