"yes and no...

When my wife last held a job with health insurance she was not able to take the coverage from her company as long as I was paying for the family plan that covered the kids.

Basically it makes no difference if she is working or not. As long as I am buying the family plan she has to take that insurance. She cannot be covered twice."

So you make my point....she stays home by choice and cannot be compared to someone who has no choice.