If you cover a spouse or domestic partner who has access to medical coverage through their own employer, be aware that the working spouse surcharge is increasing for 2027. That makes it more important than ever to compare all your options — including your spouse’s plan — so you can choose what’s best for your family’s needs and budget. The cost in 2027 will be $75 per paycheck. Cotality reserves the right to audit your working spouse surcharge election.