How Does Getting Married Affect Health Insurance? | eHealth
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Spouses do not have to be on the same plan, which means that if you both have individual plans that you love, there is no reason to lose that ... IndividualandFamilyMarriageandHealthInsurance:EverythingYouNeedtoKnowBYSydneyGarrowUpdatedonFebruary25,2021ShareOneofthebenefitsofmarriageisoftenaccesstoafamilyhealthinsuranceplan.Theseplanstypicallyofferdiscountsbecausetheycovermorethanoneperson.Themostaffordableoptionforahealthinsuranceplanisusuallyonethatisavailablethroughonespouseâsemployer.However,withthefederal,state,andprivatehealthinsurancemarketplaces,therearemorehealthinsuranceoptionsavailabletonewlywedswhoneedtobuyhealthinsuranceontheirown. Navigatingthechoicesavailableandpickingthebestoneforyouandyourspousecantakesomeresearchandsomeunderstandingofhealthcarelaw.AteHealth,wehelpmarriedcouplesfindhealthinsuranceineverystatefindthebesthealthplansfortheirneedsandbudget.Withawiderangeofplansavailable,youandyourspousecanchoosethecoveragethatworksbestforyou. Canmarriedcoupleshaveseparatehealthinsurance? Spousesdonothavetobeonthesameplan,whichmeansthatifyoubothhaveindividualplansthatyoulove,thereisnoreasontolosethatcoverage.However,youalsohavetheoptiontobeonthesameplan,whichmaybeamoreeconomicalchoiceforsomecouples. Underthecurrenthealthcarelaw,couplesdonothavetochooseafamilyplanorthesameindividualhealthinsuranceplan.Insomecases,separatepoliciesmaybethebestoption,particularlyifyoucaneachenrollinahealthplanthroughyouremployers.Ifyoubothhavedifferenthealthplans,youcancomparethefollowingcoststoensurethischoiceisthemostaffordable: Monthlypremiums Annualdeductibles Copaymentsorcoinsurance Out-of-pocketmaximums Youalsowanttobesuretheplanyouchooseincludesyourowndoctorsinthenetwork,sinceworkingwithdoctorsoutofaplanâsnetworkisusuallymoreexpensive. Beyondthedifferentemployerplans,youroptionsmaydependonwhereyouliveandyourspecificfamilysituation.Ifyouarebothingoodhealth,youmaysavethemostmoneywithafamilyhealthinsuranceplan.Ifonespousehaschronichealthissuesandtheotherishealthy,couplesmaysavemorebychoosingalowerdeductibleplanforonepartnerandahigherdeductible,lowercostplanfortheother. CanIstayonmyparents’insuranceaftermarriage? Ifyouhavebeencoveredunderyourparentâshealthinsuranceplan,youmightwanttokeepthatcoverageafteryouaremarried.Underfederallaw,youngadultsmaykeeptheircoverageundertheirparentâsplanuntiltheyturn26yearsold.Thisisthecaseevenifyougetmarriedbeforetheageof26.Thereisalsonorestrictionstatingyoumustcontinuetolivewithyourparentstokeepthatcoverage. CanIbuyapolicyontheMarketplaceifmyspousehasaccesstoanemployer-sponsoredplan? Youarenotobligatedtobuyfamilyhealthinsurancefromyourspouseâsemployer.Insomecases,afamilyhealthinsuranceplancanbemoreexpensivethanasimilarplanchosenthroughaprivate,state,orfederalmarketplace. Keepinmindthatifyouhaveaccesstoafamilyhealthinsurancepolicythroughyourspouseâsworkandchooseinsteadtopurchasethroughanexchange,therecanbesomeunexpectedcosts.Forexample,youmaynotbeeligibleforObamacaresubsidiesifyouoryourspousehaveaccesstoanemployer-sponsoredhealthinsuranceplan,butopttobuyyourownplanoffanexchange.Whenassessingrelativecostsbetweenthefamilyhealthinsuranceandindividualmarketplaceplans,besuretoaccountforsubsidiesthatyouarenolongerallowed. Howdoesachangeinmaritalstatusaffectmyhealthinsurancechoices? Ifyourmaritalstatuschanges,thisisconsideredaQualifyingLifeEvent(QLE)andtriggersaSpecialEnrollmentPeriod.DuringtheSpecialEnrollmentPeriod,youcanenrollinanACA-compliantplanthroughanemployeroronthemarketplaceormakechangestoacurrentplan.TherearedifferenteventsthatmayconstituteaQLE: Gettingmarried Gettingdivorced Havingababy Sufferingadeathinthefamily TheSpecialEnrollmentPeriodtypicallyextendsfor60daysfollowingaQLE.DuringtheSpecialEnrollmentPeriod,youcan: Enrollinanewplan,suchasanewfamilyhealthinsuranceplan Addyournewspousetoyourexistingplan Joinyourspouseâsexistingplan Ifyoumissthechancetoenroll,youwilllikelyhavetowaituntilthenextOpenEnrollmentPeriod.Inthemeantime,youcouldoptforalternativeoptionslikeshort-termhealthinsurance,accidentinsurance,orcriticalillnessinsurancetoprovidesomecoverageintheeventofanunexpectedaccidentorillness. Gettingmarriedisahugestepinlifethatincludesmanylifechangesandadjustments.Whenoneofthosechangesincludesyourhealthinsurancecoverage,leteHealthhelp.Ourlicensedbrokerscanhelpyounavigateawiderangeofhealthplanoptionstofindtheonethatworksbestforyouandyourfamily.Youcanenrollinplansviachat,email,orphoneatnocosttoyouoryourfamily.Getstartedbycomparingindividualandfamilyhealthinsuranceplansinyourareatoday. JoinOurNewsletterGethealthcarenews,wellnesstips,andcoverageresourcesEmailExploremoregreatarticlesbycategory.Individual&FamilySmallBusinessMedicareDentalVisionShort-termAffordableCareAct
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