As of January 1st, we need to get dates of birth on all dependents. In the past, it made no difference. A family with an employee, spouse and one child was rated the same as another family with an employee, spouse and ten children.
Let me give you an example. I have a client with 8 total employees of which 6 are part-time and 1 full timer other then himself. The one other full-time employee gets his health insurance through his spouse. My client is the only one on the health plan.
For years he has been with Blue Cross until this year when he got a 50% rate increase from $1,500 per month to $2,500. Why the big increase? My client’s family plan has 6 people (himself, spouse and 4 children).
In the end, we were able to place him with Health New England but he still got a rate increase at $1,725 per month.