I think it is a difficult situation. Sure a 26 year old man does not need insurance for babies. However, at 29, he may be married with a baby on the way and if he marries some lower economical type lady who does not have the ability to make a living, it is smart to have that insurance on his policy.
She’s only covered if she’s married to him and he has a family policy. If he bought single overage he will still pay for maternity coverage which he will never use and it’s benefits can’t be conferred upon any other person.
WTF??
No, this one is black and white.
If you can get pregnant and you think that's likely to happen for any reason then you pay more to have that coverage added, same with if you marry someone in that boat who you want to share a policy with.
You dont make everyone else who cant use it buy the same coverage they dont need just so yours is paid for by others.
Jeeze
No...it's not smart.
It's idiotic because he will never use it.
If he gets married his wife will have the coverage on her individual policy; no reason ever for the man himself to have it.