<prompt> Human: My husband and I no kids are covered by his employers health insurance therefore Ive always declined my employers health insurance. With open enrollment upon us, is there any benefit or downside to being double parked and having 2 lots of health insurance to cover us both? If it matters, were both healthy and not expecting anything much to change employment wise this year bar the unforeseeable. Pre tax cost to me aside my employer pays 70 are there any pros or cons to being covered twice?  <response>: were both healthy are there any pros or cons to being covered twiceYou are an insurers dream. I mean, does your car get coverage by 2 insurances? Do you bring 2 umbrellas every time it might rain? Insurances is all about probability, and the chance of you and your husband making a significant claim on ONE insurance is unlikely. So consider the chances of that happening with TWO insurances. Of course it depends on what type of insurance you have... but the best choice is usually to pick the bettercheaper one and ditch the other. 