Does anyone know if on a graded self-funded group employer health plan, can an employer implement a higher deductible for spouse and family coverage than for employee only coverage? 155 life group in Florida. Currently, they have a $3000.00 ind. $6000 family. I’m trying to get creative here. The owner would like to drop employee’s deductible to $1500 and increase spouses and families to $4000. Anyone have suggestion? Thank you.