Getting married can have a significant impact on your finances, including your taxes and your health insurance. As a married couple, you have more health insurance options available to you, including the potential option to join your spouse’s health insurance plan. But health insurance for married couples isn’t always straightforward, so you’ll need to do some research to find the best option for you.
When you’re married, you may have the option to join your spouse’s health insurance plan. Doing so could potentially help you save money, and it could give you access to coverage that you can’t otherwise get.
But that’s not always the case when adding a spouse to health insurance after a marriage. Some employers don’t allow spouses to add onto health insurance plans if their own employer offers health insurance coverage. You’ll need to check with your spouse’s employer to see what their rules are.
Additionally, some employers offer generous health insurance subsidies to their employees, but those subsidies don’t always apply to spouses. If your spouse’s health insurance is an expensive plan, it might be cheaper for you to retain your own insurance policy.
If you’re married, you don’t have to join your spouse’s health insurance policy. You have the option to continue on with your own policy if you would like.
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If you’re buying health insurance for you and your spouse, consider whether you both have similar health needs, and verify that your and your spouse’s physicians are in the health plan’s network. You might find that it’s simpler and more affordable to choose two different health insurance policies.
You can get free health insurance quotes online today to start exploring available policies. As you shop, compare not only the premiums, but also pay attention to each policy’s limits, exclusions, and deductible.
Yes, married couples can have separate health insurance policies, and many do. However, choosing the same health insurance plan can potentially help you save on your premiums and makes for simpler billing.
No, you don’t have to join your spouse’s plan if they have health insurance coverage from work. If you have a policy that you like, you can remain on that policy while you’re married. However, if you receive financial help through the Health Insurance Marketplace, you’ll no longer be eligible for the financial assistance if your health insurance is available through your spouse’s job.
According to Anthem, the average cost of health insurance for a family of four was $1,437 in 2022. Keep in mind that many factors affect your insurance costs, including the age of you and your spouse, whether either of you use tobacco, and the health insurance plan you choose.
