Getting married is a significant life event that brings about various changes, often involving merging your lives together. And although it may not be at the top of your list, questions may arise about how marriage impacts your health insurance plans. After all, it is a vow of “in sickness and in health.”
In this article, we'll explore the nuances of health insurance for married couples and address common questions such as how marital status influences insurance coverage, the coverage options available when married, and the financial implications of health insurance decisions during marriage.
Whether you're planning your wedding or recently tied the knot, understanding the dynamics of health insurance in marriage is crucial for navigating this aspect of shared life.
Marriage can significantly impact your health insurance coverage and costs. And getting married often allows spouses to combine health insurance plans. Here's how marriage may affect your health insurance options.
Note: Under this Special Enrollment Period, you have 60 days from the day you get married to enroll in an ACA health insurance plan through an employer or on the health insurance marketplace. If you miss this 60-day window, you will likely have to wait until the next Open Enrollment period for ACA health plans.
Yes. Under federal law in most states, young adults can remain on their parents' health insurance plan until the age of 26, regardless of their marital status.
However, once you're married, you might face changes in you eligibility status since marriage often signifies the establishment of a separate household. While you may no longer qualify as a dependent under your parents' plan, marriage is recognized as a qualifying life event.
Yes, married couples can have separate health insurance plans. Under the current healthcare law, couples are not required to choose a family plan or the same individual health insurance plan. Employers are not mandated to provide coverage to spouses, allowing flexibility for couples to explore individual plans.
However, there are certain situations where having two separate policies might be beneficial, especially if one spouse is healthy and the other has medical conditions.
While many spouses do opt to be covered under the same plan, the decision to have separate health insurance policies is dependent on individual circumstances and preferences. Couples should assess their health needs, compare plan options, and choose the approach that best fits their situation.
No, you do not have to be married to share health insurance policies. Health insurance plans often allow individuals to include family members - such as domestic partners, children, or other dependents - under a single plan.
This means sharing health insurance is not limited to marital relationships. Many plans provide options for individuals to cover their partners or dependents, fostering inclusivity beyond marital status.
When getting married, couples have several health insurance options to consider:
Of course, choosing the right option depends on factors such as cost, coverage needs, and individual health conditions.
Overall, being on your spouse's health insurance plan can offer financial advantages because they cover more than one person. It may also be easier to track your health insurance coverage and costs since you're under the same policy.
If you opt to join your spouse's health insurance plan offered by their employer, you may see a seamless transition into your new coverage. And this arrangement can also include coverage for prescription drugs as well as dental and vision care. So this option tends to be economical while providing comprehensive coverage to you and your spouse.
The Affordable Care Act can further expands options for married couples, which allow them to explore private health insurance plans.
According to ValuePenguin, the average monthly health insurance premium for a 40-year-old on an ACA silver plan without a subsidy is $560 as of 2024. For married couples, this premium cost would typically double. So unless you and your spouse qualify for a subsidy under the Affordable Care Act, health insurance for married couples can be costly.
Meanwhile, employer-sponsored health insurance coverage can be a common option for married couples. In 2023, the average annual premium for employer-sponsored health insurance was $8,435 for an individual policy and $23,968 for a family plan.
However, the cost of health insurance for married couples can vary based on factors such as your age, location, coverage type and number of people insured. And in some cases, separate health insurance plans may be the best option for you.
If you and your partner have different health plans prior to marriage, then be sure to review both plans to compare costs like monthly premiums, copayments or coinsurance, annual deductibles, and any out-of-pocket maximums.
Remember, it's key to research different plans, compare costs, and consider individual health needs when choosing health insurance for married couples.
While you navigate through your upcoming marriage milestone, just call our licensed insurance agents at 1-877-590-3245 (TTY 711), Monday to Friday, 8 AM to 8 PM ET, to discuss your health insurance questions. Our licensed insurance agents have access to a range of health insurance options for married couples, including ACA-compliant health plans that you may be able to enroll in during your Special Enrollment Period.
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