Recently we ran into a small family owned company, where the owner has himself (58), spouse (48) and two children (age 22 and age 25) were covered on his plan as one family. The health insurance company will quote this as a one family (58) with three dependents (48-25-22).
One thing I forgot is that all the family members are on the payroll. We changed the coverage to four singles (50-48-25-22). Now you would think that since the same four members are covered that the rates would be the same, right?
Breaking these four into singles dropped their rates 15%!!!