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3. Juggle Family Coverage

The days when a married couple could choose to have family coverage on both partners' plans is long over. Without the two-plan option, spouses need to take a close look at both of their plans to determine which offers the best coverage for the kids, says Pletzke.

Crunch the numbers to see if you'd be better off with everyone on one plan, or if you should split coverage. Shop around for private insurance, too -- especially if only one spouse is employed. It may be cheaper to keep one adult on the company plan, and buy a private family plan for the other partner and the children.


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