Originally Posted by jmotivator
No, you miss the point. It doesn't make any difference to the discussion whether the cost per person is higher or lower for an individual, its irrelevant. The reason most plans cap premiums at 4 family members is because on average, that is the size of a standard family in the US (Its actually 1.9 children per married couple since 1980, so if they charge for 4 people they can scrape together a few extra dollars to cover those few people with 3 or more kids).
Here is a typical polygamous family with Dad, 4 wives and 17 children (that's a total of 22 people in the family). If all the marriages were legal, I don't think an insurance company is going to want to cover them for the same premium that they cover the typical american family of 4.
https://en.wikipedia.org/wiki/Sister_WivesThe show follows the lives of advertising salesman Kody Brown (46), his wives Meri Barber (44), Janelle (45), Christine (42) and Robyn Sullivan (36) and their seventeen total children. In the first season the show televised Brown's courting and eventual marriage of his fourth wife, Robyn Sullivan, who herself had three children from a previous marriage.
So, you miss the point. The premium for family coverage can be capped at 4 people simply because that is on average how many people are in the typical american family, per the census data. If that were to swell substantially due to the introduction of polygamy, the health insurance policies would have to be rewritten to cover that with a new family class called "plural" or something, unless you want to pay for their expenses in your rate, and I do not.
In fact the Dad may not be able to afford his plural family period. I posted above that 65% of plural families are on welfare, and there is a reason for that. The father cannot cover all the expenses for his large family without help from the state. That is another argument against polygamy as a viable institution, it is not generally economically viable.