Four Tiered System for Health Insurance

What are the four tiers?

1. employee
2. employee & spouse
3. employee & child
4. family

Here are some questions.

1) Will it cost the City of Worcester any more money to switch to the 4 tiers? Not it will not.

2) Will the people who go from family to one of the middle tiers save money? Yes they will

If the it will cost the City of Worcester no additional monies and people who switch to the middle tiers save money, who makes up the difference? FAMILIES!!!!!