How many FTEs from Pecans Unlimited decline SHOP coverage due to having coverage under their spouse's insurance?

The question revolves around determining the number of full-time equivalents (FTEs) at Pecans Unlimited who opt out of SHOP (Small Business Health Options Program) coverage because they are already covered under their spouse's insurance policy.

To ascertain the correct answer, we focus on the scenario presented, where employees may decline health insurance coverage offered by their employer if they are already covered through another plan, such as their spouse's. The answer indicates that only one FTE has chosen to decline SHOP coverage for this reason, suggesting that only one employee’s situation meets the criteria described.

Understanding the dynamics of health insurance enrollment can clarify why only one FTE is involved. Typically, employees may have various reasons for choosing different coverage options, and the decision to decline employer-sponsored insurance often occurs not only due to access to a spouse's plan but also other factors like cost, coverage adequacy, or personal preference. In this case, the data highlighted reveals that only one employee opted for alternative coverage through a spousal plan, reflecting the specific needs and options of employees at Pecans Unlimited.