Since my employer offers insurance do i have to use theirs or could i be on my wife's insurance? 
The answer is going to depend . If your employer still picks up 100 % of the cost , that would be considered your primary insurance and your spouses coverage would be used to fill in the gaps . If your employer pays 100 % , buying secondary coverage would actually prove to be very expensive insurance as basically it 's picking up your out of pocket costs . Still you might be able to waive coverage , check and see with your companies HR person to see if that is possible . Basically this is a math question , get out a note pad and calculator and start costing things out . If you pay a % for your employers coverage , check and see if it is tax favored as well as your spouses . Many plans use pretax methods on premiums paid these days to give employees a break . I would lay out both options and play what if , it would take about 5 minutes to show what course of action to follow . 