What If Both Spouses Have Health Insurance? 
If both spouses have health insurance , a coordination of benefits -LRB- COB -RRB- occurs . Make sure that both insurances know about the other . The health insurance of the person who was born earlier in the year becomes the primary insurance . Any referrals or restrictions on the insurance come from this plan . The second insurance then pays some or all of the remaining amount . Often , having both members having insurance does not make financial sense because you are paying more for the combinrd insurances than you are receiving in benefits from them . This is not always the case however , and you should discuss your individual situation with an expert . 