<prompt> Human: We got married last year and missed the enrollment window, but with open enrollment coming up we have been thinking about joining our insurance together. This is something that I have always just assumed is a good and normal thing to do, but looking at the numbers Im not so sure now.We both have benefits packages through our employers, and we are each on our own insurance plan at the moment. I had assumed that there would be savings if one of us switched to the other, but looking at the premium cost for my plan, the cost would be more than double if my wife joined my plan. Biweekly premium cost would go from 64 to 148 to add my wife.I was surprised to see this and am now thinking we might as well keep our insurance and things separate if its just going to cost more. I guess employers are discouraging working spouses to join plans?  <response>: Usually employers subsidize the cost of health insurance for the employee and do not subsidize for the family member. Example: Employee pays 100paycheck for themselves, employer pays 200paycheck for the employee, employee pays 300paycheck 50paycheck for a spouse and a child.So thats 100 for single employee vs 450 for employee spouse child.Compare to both adults having their own insurance: 100 2 50 250 