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Finally, consider which dependents will need to be covered in 2013. The PPACA allows you to cover your children through the month in which they reach age 26 in most cases, regardless if they are full-time students.
It is important to consider all available coverage options for dependents.
If a spouse or partner has access to medical coverage through an employer, it may be more cost effective to enroll in that coverage instead, particularly since some companies apply a surcharge to cover a spouse or partner who has declined coverage from their own employer.
SBC statements will become a helpful tool in comparing coverage from your employer with health care coverage available from other sources since they present information in a standardized way.
“The health care landscape continues to change, and 2013 will be no exception,” Rosenberg added. “It is critically important that employees spend time to understand their needs, assess the options available to them and use the tools and resources available to effectively meet their needs and the needs of their families.”
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