Final answer:
If the employer pays for 100% of the health insurance premium, they can add the babies to the employer-sponsored plan or purchase a separate plan.
Step-by-step explanation:
If the employer pays for 100% of the health insurance premium for Patrick, Susie, and their twins, they should consider adding the babies to Patrick's employer-sponsored health insurance plan. This option would save them money as the employer is covering the entire premium. However, they should review the coverage details and potential out-of-pocket costs to ensure it meets their needs.
If Patrick's employer does not cover the full premium for the twins or if they prefer a different health insurance provider, they can explore purchasing a separate health insurance plan for the babies. They can research different insurance providers, compare costs and benefits, and select a plan that suits their family's needs.