To control costs, we have implemented a spousal carve-out coverage provision if a spouse has health insurance available at their employer but chose to be on our plan instead. There is going to be an additional set “premium” amount above and beyond what just their spouses coverage would cost. What is the best way to handle this in ACU payroll? Does it need to have it’s own new deduction code set up? or can we simply just reduce the amount of the company’s contribution and increase the employees contribution by that set amount? Since it is an additional premium, it is pre-tax similar to the regular health care premium contributions.
We want to be compliant but keep it as simple as possible.