It's pretty clear that whoever said “there's no such thing as a stupid question” never worked in the insurance industry.

The other day I got a text from a friend of mine that said “I just talked to the dumbest person on earth.” This has to be good, I thought, so I called to get the story. It turns out that one of his clients had an employee who wanted to add her husband to her policy because he was in a waiting period with his new job.

But when the employee saw the rates, she said they were too high and she didn't want to pay them. The employer explained they had shopped the market at renewal time, that they were offering a dual option, and that she had signed up for the most expensive option but could switch to the core plan if she wanted.