I got married in April 2014- Me and my husband decided to combine our health insurance for 2015. However, A coworker of mine just informed that was a bad idea. She said that if my husband chooses to opt out of his insurance provided by his company, that starting this year, I would have to pay double for him. A brief example – If I am paying $40 , my company will charge me $80 to cover him. Bring my grand total to $120. Is this true?