Health Coverage Changes After Marriage
Getting married changes your insurance needs. We guide you through coverage options and how to update your health insurance.
Qualifying event
One plan or two
60-day window
Getting married changes your insurance needs. We guide you through coverage options and how to update your health insurance.
Your wedding opens a 60-day window to make changes outside open enrollment: joining a spouse's employer plan, combining onto one marketplace plan, or re-shopping entirely now that your household changed.
Couples default to combining, but it is not always cheaper. If one of you has a generous employer plan and the other has subsidized marketplace coverage, keeping separate plans sometimes wins. The math depends on both employers' contribution rules and your new combined income, which can change subsidy eligibility.
Send us both plan summaries and we will run the comparison before your window closes.
Compare each plan's total cost and network before assuming combining is cheaper. Keeping separate plans sometimes wins.
Compare the cost of adding the uncovered spouse to the employer plan against a subsidized individual plan based on combined household income.
Compare a combined household Marketplace plan against separate individual plans, factoring in your new combined income for subsidy purposes.
Confirm which plan covers each dependent's providers and prescriptions before combining, since a cheaper combined plan can still mean a network downgrade for a child.
Let our team find the right coverage for your situation. Professional guidance, no pressure.