Real answers for your healthcare questions
Can I change my health insurance after getting married?
Answer
Yes. Marriage is generally a qualifying life event that can allow you to enroll in or change health coverage outside the normal annual enrollment period. You may be able to join a spouse's employer plan or use a Marketplace Special Enrollment Period.
What to Know
You do not automatically have to combine coverage. Sometimes it is more cost effective for each spouse to keep separate employer coverage. Marketplace financial assistance can also be affected by household income, tax filing status, and access to employer plans.
What to Do Next
Compare both spouses' available plans, employer contributions, networks, prescriptions, and family costs. Act promptly because special enrollment windows are limited.
Agent Perspectives
Be the first agent to share a perspective
Are you a licensed agent? Help clients with practical advice. Your name and profile appear with your answer.