<prompt> Human: Might be a dumb question but I really dont know much about these things. My wife recently started a new job where she is offered full benefits for the first time in her life, including health insurance. Up until this point she was covered under my employers insurance. I need to confirm but if she chooses to enroll in her companys insurance policy it will be through different insurance company than the one I use.Is there a point in her enrolling in her own health insurance? I told her she should at least enroll in life and shortlong term disabilities but Im not certain what she should do for health insurance.Thanks.  <response>: Normally she will pay less on her own since the employer pays a portion. It is also becoming more common for her to no longer be covered under your insurance if her employer offers insurance Even if she does not apply for it. For some plans the deductibles and out of pocket maximums can be doubled for plans with two people meaning you could also pay more if only one of you gets very sick in a year. 