{"id":5992,"date":"2025-11-25T08:09:36","date_gmt":"2025-11-25T14:09:36","guid":{"rendered":"https:\/\/www.employco.com\/blog\/?p=5992"},"modified":"2025-11-25T09:30:59","modified_gmt":"2025-11-25T15:30:59","slug":"hr-chat-w-employco-usa-health-plan-carve-outs-surcharges-and-incentives-for-working-spouses","status":"publish","type":"post","link":"https:\/\/www.employco.com\/blog\/2025\/11\/25\/hr-chat-w-employco-usa-health-plan-carve-outs-surcharges-and-incentives-for-working-spouses\/","title":{"rendered":"HR Chat w\/Employco USA: Health Plan Carve-outs, Surcharges, and Incentives for Working Spouses"},"content":{"rendered":"<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"lyte-wrapper\" title=\"HR Chat w\/Employco USA: Health Plan Carve-outs, Surcharges, and Incentives for Working Spouses\" style=\"width:640px;max-width:100%;margin:5px auto;\"><div class=\"lyMe hidef\" id=\"WYL_EDx_BDWGIxY\" itemprop=\"video\" itemscope itemtype=\"https:\/\/schema.org\/VideoObject\"><div><meta itemprop=\"thumbnailUrl\" content=\"https:\/\/www.employco.com\/blog\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=https%3A%2F%2Fi.ytimg.com%2Fvi%2FEDx_BDWGIxY%2Fmaxresdefault.jpg\" \/><meta itemprop=\"embedURL\" content=\"https:\/\/www.youtube.com\/embed\/EDx_BDWGIxY\" \/><meta itemprop=\"duration\" content=\"PT6M23S\" \/><meta itemprop=\"uploadDate\" content=\"2025-11-24T23:00:55Z\" \/><\/div><div id=\"lyte_EDx_BDWGIxY\" data-src=\"https:\/\/www.employco.com\/blog\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=https%3A%2F%2Fi.ytimg.com%2Fvi%2FEDx_BDWGIxY%2Fmaxresdefault.jpg\" class=\"pL\"><div class=\"tC\"><div class=\"tT\" itemprop=\"name\">HR Chat w\/Employco USA: Health Plan Carve-outs, Surcharges, and Incentives for Working Spouses<\/div><\/div><div class=\"play\"><\/div><div class=\"ctrl\"><div class=\"Lctrl\"><\/div><div class=\"Rctrl\"><\/div><\/div><\/div><noscript><a href=\"https:\/\/youtu.be\/EDx_BDWGIxY\" rel=\"nofollow\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.employco.com\/blog\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=https%3A%2F%2Fi.ytimg.com%2Fvi%2FEDx_BDWGIxY%2F0.jpg\" alt=\"HR Chat w\/Employco USA: Health Plan Carve-outs, Surcharges, and Incentives for Working Spouses\" width=\"640\" height=\"340\" \/><br \/>Watch this video on YouTube<\/a><\/noscript><meta itemprop=\"description\" content=\"Questions on this topic? https:\/\/www.employco.com\/contact\"><\/div><\/div><div class=\"lL\" style=\"max-width:100%;width:640px;margin:5px auto;\"><\/div><figcaption><\/figcaption><\/figure>\n\n\n<p>With health insurance renewals reaching some of the highest increases in over a decade, many employers are turning to creative strategies to manage rising costs, including working-spouse surcharges, carve-outs, and incentive programs.<\/p>\n\n\n\n<p>In this HR Chat, Rob and Jason break down how these approaches work and what employers should consider when evaluating spousal coverage options.<\/p>\n\n\n\n<p>Contact <a href=\"mailto:hr@employco.com\">hr@employco.com<\/a> to learn how your company can navigate rising health care costs and keep benefits competitive in 2026.<\/p>\n\n\n\n<p>Schedule a <a href=\"https:\/\/calendly.com\/gwilson-employco\" target=\"_blank\" rel=\"noreferrer noopener\">15-minute call<\/a> with <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#046240\" class=\"has-inline-color\">Griffen Wilson<\/mark><\/strong> for more information on our services.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With health insurance renewals reaching some of the highest increases in over a decade, many employers are turning to creative strategies to manage rising costs, including working-spouse surcharges, carve-outs, and incentive programs. In this HR Chat, Rob and Jason break&hellip;  <\/p>\n<p class=\"more-link\"><a href=\"https:\/\/www.employco.com\/blog\/2025\/11\/25\/hr-chat-w-employco-usa-health-plan-carve-outs-surcharges-and-incentives-for-working-spouses\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-5992","post","type-post","status-publish","format-standard","hentry","category-hr-chat"],"featured_image_src":null,"author_info":{"display_name":"Employco USA","author_link":"https:\/\/www.employco.com\/blog\/author\/employcousa\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>HR Chat w\/Employco USA: Health Plan Carve-outs, Surcharges, and Incentives for Working Spouses - Employco Blog<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.employco.com\/blog\/2025\/11\/25\/hr-chat-w-employco-usa-health-plan-carve-outs-surcharges-and-incentives-for-working-spouses\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"HR Chat w\/Employco USA: Health Plan Carve-outs, Surcharges, and Incentives for Working Spouses - Employco Blog\" \/>\r\n<meta property=\"og:description\" content=\"With health insurance renewals reaching some of the highest increases in over a decade, many employers are turning to creative strategies to manage rising costs, including working-spouse surcharges, carve-outs, and incentive programs. 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They explain what\u2019s fueling these cost hikes and share strategies to help employers prepare for renewal season. 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