All that said, given that the OP said they are both self-employed, I’m guessing that they probably need to pay significantly more for both of them to stay on their plan, since most self-employed plans are ACA/marketplace based now, and marketplace plans definitely charge more for 2 people than for one. - AJ
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Our company has uses BCBS for it group medical plan. The premium is X for Employee only, 2X for employee plus spouse, 2X for employee plus children (doesn’t matter how many), and 3X for employee plus family. We have both regular and high deductible (for use with HSA) and these ratio’s apply. Even though the premium changes from year, the ratios are maintained. These are ACA compliant plans and it is my understanding these ratios apply to all ACA compliant pliant plans.
These are the premiums charges to the company by BCBS which are not the amount passed along to employees.