Which insurance is primary for the husband when and wife each have through their jobs covered by wifes as well?

The primary insurance for the husband when both he and his wife have health insurance through their jobs is determined based on the rules set by the insurance companies involved. Typically, the primary insurance is determined based on the following criteria:

1. Employer Size: If both the husband and wife work for companies with 50 or more employees, the primary insurance is generally based on the employer with whom the husband has been employed for a longer period of time.

2. Dependent Coverage: If the wife's insurance plan allows her husband to be covered as a dependent, and he is not enrolled in his own employer's health insurance plan, then the wife's insurance would be considered the primary insurance.

3. Coordination of Benefits (COB): If both the husband and wife have health insurance plans that cover them as the primary insured, the insurance companies may have COB provisions that specify which plan is primary and which is secondary. These provisions may consider factors such as the order in which the policies were issued, the type of coverage, and the specific terms and conditions of each plan.

4. Self-Funded vs. Fully Insured Plans: If one or both of the health insurance plans are self-funded (where the employer assumes the financial risk for coverage), the primary insurance may be determined by the employer's specific rules and policies.

It's important for the husband and wife to review the details of their respective health insurance plans and coordinate with their employers and insurance companies to determine which insurance is primary. They may also need to complete a coordination of benefits form to clarify the primary and secondary insurance coverage.

If there is any confusion or dispute over which insurance is primary, the husband and wife can contact their respective insurance companies and request assistance in resolving the issue.