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.
Let our team find the right coverage for your situation. Professional guidance, no pressure.