Spousal Surcharge


If your spouse does not enroll in coverage available through his or her employer, you will be required to pay a monthly spousal surcharge of $151.66. The surcharge applies if your spouse:

  • Is employed
  • Is offered medical coverage through his or her employer
  • Declines medical coverage from his or her employer
  • Enrolls in XPO medical coverage

You will not have to pay the surcharge if your spouse enrolls in medical coverage through his or her employer and is also covered as an eligible dependent under your XPO coverage.