Final answer:
After comparing costs, the most economical health insurance for the twins would be Susie's plan, with the employer paying 32% of the premiums for the dependents. This results in a monthly cost of $421.60 compared to $560 on Patrick's plan.
Step-by-step explanation:
To find the most economical health insurance option for Patrick and Susie's family, we need to compare the costs of adding their twins to each parent's plan. Patrick's employer does not pay for dependents, so the cost to insure both twins with his plan would be 2 × $280 = $560 per month.
Alternatively, Susie's employer pays for a portion of the dependents' premiums. The cost of adding both twins to her plan would be 2 × $310 = $620 per month before the employer's contribution. However, since the employer contributes 32% towards each dependent, they would cover $198.40 (32% of $620), leaving Susie to pay $421.60 per month for the twins.
Comparing the two options:
Patrick's plan: $560 per month (no contribution)
Susie's plan: $421.60 per month (after employer contribution)
The most economical option would be to add the twins to Susie's health insurance plan.