Can my employer charge me a higher premium on my health plan starting today because my spouse declined coverage through their own job during their open enrollment.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can my employer charge me a higher premium on my health plan starting today because my spouse declined coverage through their own job during their open enrollment.
3 real searches · 1 real-search pass
Department of Labor spousal surcharge employer health plan spouse eligible other employer coverage surcharge plan documents notice midyearGoogle ↗
OBSERVEDConsequence
IRS cafeteria plan midyear employer health insurance premium contribution change spousal surcharge plan yearGoogle ↗
OBSERVEDReason
California law spousal surcharge employer health insurance spouse other employer coverageGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Department of Labor spousal surcharge employer health plan spouse eligible other employer coverage surcharge plan documents notice midyear Google ↗
IRS cafeteria plan midyear employer health insurance premium contribution change spousal surcharge plan year Google ↗
California law spousal surcharge employer health insurance spouse other employer coverage Google ↗
- Group Coverage: Information for Employees · insurance.ca.gov
- Health Coverage Portability (HIPAA) Compliance FAQs · dol.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Department of Labor spousal surcharge employer health plan spouse eligible other employer coverage surcharge plan documents notice midyear OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS cafeteria plan midyear employer health insurance premium contribution change spousal surcharge plan year OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
California law spousal surcharge employer health insurance spouse other employer coverage OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |