Question: I have recently changed jobs where the health insurance is very cheap for me but very expensive to add my wife. I'd like to get a private plan for her, but she takes several medications that could make it prohibitive. Is there some obvious option for this situation? She's otherwise healthy and I would consider high deductibles.
Answer: Unfortunately, there is no obvious option for your wife. If she cannot qualify for individual health insurance because of preexisting medical conditions (her prescription medications), your only option is to enroll her on your employers group health plan.