When I was in grad school, my wife's health insurance policy through work allowed an employee to add a spouse for $1000 per year (I cannot remember the exact numbers, but these are close) or add a spouse and children for $2000 per year. And it didn't matter whether you had 1 child or 10.
Since she worked for UNC, I figured it was a political decision. Now I work for the state of Texas and my policy is set up similarly. Adding my wife costs $150 per month and adding any number of children costs $120 per month. And her policy at a law firm is also structured the same way. How can this be rational? -Jeffrey Rous