Anytime your employer (or your spouses employer) offers health insurance plans, taking advantage of a group plan will almost always get you the best rates possible – definitely better than if you were to try to get the same plan privately. In some instances, it may even be beneficial to have coverage from both employers: the husband’s and the wife’s, but keep in mind that double coverage will not allow you or your providers to collect payment on more than 100% of the cost.

Working couples with insurance from two employers may be able to get more or pay less than one-income couples. Depending on the premiums and benefits of each available plan, the best deal may be separate coverage for each, double coverage for both, or forgoing one spouse’s coverage in favor of the other’s. If you have kids, you’ll need to compare your options for family coverage.

Another way to get a good family medical insurance policy is to look at other groups, clubs, associations, etc. that may offer it. You may already belong to some group that gives its members group health insurance; such as USAA. Both my wife and I are eligible for USAA coverage because we’ve had family members who have served in the military. If you’re in the market for health care coverage, it may be a good idea to look into joining a group or association that could offer discounted health care plans and coverage options.