Marriage and Health Insurance: Everything You Need to Know

Family health insurance plan

Family health insurance plan: Marriage frequently grants access to a family health insurance plan, which is one of its advantages. Due to the fact that they cover more than one person, these plans sometimes provide discounts. Typically, a health insurance plan offered by one spouse’s employment is the most cost-effective option. However, there are more health insurance options available to newlyweds who must purchase health insurance on their own thanks to the federal, state, and private health insurance marketplaces.

When you’re married, navigating the health insurance options and choosing the best one for you and your spouse can require some research and knowledge of healthcare law. We at eHealth are able to assist married couples in almost every state in locating the most cost-effective health plans. You and your spouse can select the level of coverage that is most suitable for you from among the several plans that are offered.

Can married spouses purchase their own health insurance policies?

Couples are not required to be on the same health insurance plan, so there is no need to give up your individual coverage if you both enjoy it. You also have the opportunity to be on the same plan, but this can be a more cost-effective alternative for some couples.

Couples are not required to select a family plan or the same individual health insurance plan under the existing healthcare law. Separate coverage might be the best choice in some circumstances, especially if you can separately sign up for a health plan via your workplaces. If you and your partner have different health insurance, you can evaluate the following prices to make sure that this option is the least expensive:

  • Monthly premiums
  • Coinsurance or Copayments
  • Annual deductibles
  • Out-of-pocket maximums

Due to the often higher cost of using a doctor who is not in the plan’s network, you should also make sure that the plan you choose covers your own doctors in its network.

Beyond the various workplace plans, your choices might be influenced by where you reside and how your family is organized. A family health insurance plan could help you save the most money if you and your spouse are both in good health. Couples may save more money by selecting a lower deductible plan for one partner and a higher deductible, less expensive plan for the other if one spouse has chronic health difficulties and the other is in good health.

Is choosing to utilize your spouse’s insurance always an option?

If you’re looking for personal or family insurance, you might be wondering if your work offers any coverage. In 94% of the companies that offered health insurance as of 2019, spouses were covered.

Is it always an option to be on your spouse’s insurance?

Employers are not compelled to offer spousal insurance, though. Furthermore, providing health insurance to employees is not necessarily mandatory of employers.

Even though many firms provide discounted health insurance to entice outstanding workers, they occasionally do not provide coverage for partners. You should have your partner inquire about their health insurance possibilities with their employment.

Advantages to being covered by your spouse’s insurance

When you get married, adding your spouse to your health insurance is beneficial for a number of reasons, including:

  • You might save money if you purchase health insurance via your employer.
  • Even if you purchase health insurance through the market, you could still make a sizable financial save.
  • You can simplify your administrative workload by adding your spouse to your health insurance plan.
  • If you and your spouse are covered by the same health insurance policy, it will be simpler to manage your benefits and coverage.

Cons of being covered by your spouse’s insurance

However, there are several disadvantages to including your spouse on your health insurance, such as:

  • Your company might impose a spouse surcharge, which would make including them more expensive overall.
  • You and your spouse can unexpectedly lose access to health insurance if you lose your work.
  • If your spouse is covered under your insurance policy, it can be more difficult for you to switch insurance providers because you won’t need to find a policy that covers two individuals in addition to yourself.

You should carefully consider whether to combine health insurance and marriage for these reasons.

Can I continue to use my parents’ insurance after getting married?

You may want to maintain your health insurance after getting married if you have been covered by your parents’ health insurance plan. Young adults may continue to be covered under their parent’s plan until they become 26 years old, per federal law. Even if you get married before you are 26, this is still the situation. Additionally, there is no requirement that you keep residing with your parents in order to maintain that coverage.

If my spouse has access to an employer-sponsored plan, am I still able to purchase a coverage on the Marketplace?

Your spouse’s company is not compelled to sell you family health insurance. A family health insurance plan may occasionally cost more than a comparable plan selected through a commercial, state, or federal marketplace.

If you have access to a family health insurance policy through your spouse’s employer and decide to purchase through an exchange, keep in mind that there may be some unforeseen expenses. For instance, if you or your spouse have access to an employer-sponsored health insurance plan but want to purchase your own plan through an exchange, you might not be eligible for Obamacare subsidies. Be sure to take into account any subsidies that you are no longer eligible for when comparing the relative costs of family health insurance and individual marketplace plans.

How could my options for health insurance alter if my marital status changes?

A Qualifying Life Event (QLE) that necessitates a Special Enrollment Period is a change in your marital status. You can sign up for an ACA-compliant plan through your employer or on the market during the Special Enrollment Period, or you can modify an existing plan. There are various occurrences that could qualify as a QLE:

  • Getting married
  • Having a baby
  • Getting divorced
  • Suffering a death in the family

Following a QLE, the Special Enrollment Period normally lasts for 60 days. You can: During the Special Enrollment Period,

  • Sign up for a new program, such a family health insurance plan
  • Include your new spouse in your current plans.
  • Enroll in your spouse’s current plan.

You will probably have to wait until the subsequent Open Enrollment Period if you don’t enroll in time. To give some coverage in the meantime in the event of an unplanned accident or sickness, you could choose alternate solutions like short-term health insurance, accident insurance, or critical illness insurance.

FAQs about Health Insurance while Married

Regarding health insurance, does marital status matter?

Your marital status may be important if you’re seeking for affordable health insurance for married couples. While many states recognize common law unions, it may or may not entitle you to your partner’s health insurance plan. In some circumstances, if you are not legally married, your employer might decline to add your spouse to your health insurance plan because doing so will increase their costs.

If a couple wants to use this option even if they are not legally married, you should examine the conditions of your individual insurance plans and ask your employer.

Is purchasing health insurance as a married couple less expensive?

In some circumstances, purchasing health insurance as a married couple may be more affordable. The cost of particular health insurance policies can vary depending on the sort of plan you select, but there are many possibilities for affordable health insurance for married couples. Because of this, you should always read the fine print before committing to a health insurance plan, especially if you’re seeking for coverage for both you and your spouse.

What are the benefits of family health insurance?

Employers may not subsidize your spouse as much as they do the employee in some circumstances, and they may require you to pay a spousal surcharge in others.

Why do couples have health insurance?

Couples purchase insurance for a variety of reasons, including Medicare coverage. The main benefit of having health insurance for both you and your spouse is that it can assist pay for medical costs. Health insurance can help you avoid potentially catastrophic financial costs. Medical expenses can be high.

That being said, it’s up to you and your spouse to decide if having health insurance for both of you is required. You can determine that it’s not an option right now based on your financial condition and other aspects.


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