Your company may be having second thoughts about the health insurance it offers to your spouse. That means you might wind up paying more for that coverage or have to switch your spouse to another plan as early as next year. Some employers are considering adding a surcharge to cover the health care expenses of their workers' spouses. Others, like package deliverer United Parcel Service Inc., are excluding spouses from coverage if they are able to get insurance through another employer. Twenty percent of nearly 600 large employers in a survey completed earlier this year charged a spousal surcharge in 2013.