My wife, son, and I are currently paying ~$800 per month in healthcare premiums through my company's health insurance policy ($2k deductible, 80/20 coverage, 7500 out of pocket max). My wife is a teacher, but currently staying home with our son.
My company DOES cover the health insurance premiums for employee only coverage (they'd cover my premiums if I found separate coverage for my wife/son). General question, is there a potential for savings by finding separate coverage on the open market for my wife/son? Or would I typically find the company health insurance policies will always be the cheapest option vs shopping separate coverage? Or would having the company-offered insurance disqualify my wife/son from separate coverage?
I've got a lot more research to do on my end, just looking for any high-level advice people may have from their own experiences here. Much appreciated.