If you’re trying to save money on health insurance for your employees the easiest solution might be right under your nose. Usually, insurance companies charge more for a spouse’s coverage than they do for an employee’s children. This is due to age, and the cost of covering a spouse can be as much as or more than the cost of covering the actual employee. For many employers it makes sense to charge a surcharge to employees’ spouses who choose to be on the spouse’s insurance policy instead of on their own employer’s. This allows the company to still offer insurance to spouses but not spend as much money. Other options include not offering any insurance for spouses at all, but each option must be weighed with the kind of company and the kind of employees you have. With the Affordable Care Act provisions kicking in soon, make sure your plan is in compliance by checking with an HR consultant or your insurance agent.