Secondary health insurance coverage -how to get the best rates. Secondary health insurance plans provide additional coverage to families who have access to more than one insurance policy. Take the example of a married couple who both have coverage available through their employers. They may each choose to have their primary coverage through their respective employers, with the policy from their spouse’s employer serving as secondary coverage. Another option is for the both spouses to select one insurance policy as primary and the other one as secondary. In this case, they might choose the policy that offers better coverage or …