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To: KLP who wrote (213621)7/27/2007 2:52:07 PM
From: Lane3  Read Replies (1) | Respond to of 794009
 
Spouses have access to, and can buy the insurance at the same price as the employee plan, but aren't employees in the small group insurance.

I see now where your strange notion that taxpayers should be able to join the federal employee plan at the employee price comes from.

Spouses and dependent children are typically included in employee plans. And "employee" includes the boss--all members of the company. Your spouse is a member of the company and gets the member rate. You get the member rate as his spouse. Likewise, the officers of the federal "company" gets to participate in the health plan as do their spouses.

Taxpayers and shareholders, OTOH, are not employees but rather investors. In this case the taxpayer is like the shareholder, not the employee. No investors get to join company health plans.

If they were to be allowed to join to take advantage of more favorable rates, the terms would have to be that they pay the full cost of the coverage, not just the employee share, because the company's contribution is compensation for job performance. Investors and taxpayers do no work for the company so they don't earn employee compensation.

Federal employee health benefits are EARNED compensation.