Why is the Participant plus-Spouse tier so much more expensive (typically) than the Participant plus-Child/ren tier?
The first part of the answer is that, by statute, PEBP has to combine the claims experience of active employees with that of non-Medicare retirees. The resulting participant pool demographics is that the plus-Spouse tier tends to have two adults who are older than the one adult in the plus-Children tier. The second part of the answer is that the cost of the plus-Spouse tier is simply more expensive than the plus-Children tier.
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