Married or Unmarried Application for Health Insurance: Navigating Transitions in Life

Your health insurance coverage is an essential part of your financial planning, and it’s more important than ever to understand your options and make informed decisions, especially during significant life changes like marriage. This blog will help you navigate the complexities of health insurance applications when you’re getting married and provide valuable insights to ensure you have the coverage you need.

Marriage is a joyous occasion that often comes with many changes, including adjustments to your health insurance coverage. If you’re like the couple in the post, you may wonder whether to apply for health insurance as a married couple or separately. The answer depends on your specific situation and the timing of your marriage relative to the health insurance open enrollment period.

Generally, if you’re getting married outside of the open enrollment period, you will have a special enrollment period after your marriage. This special enrollment period typically lasts 60 days from the date of your marriage. During this time, you can apply for a new health insurance plan that includes your spouse, even if you’re currently enrolled in a different plan.

Applying as a Married Couple

If you and your spouse are getting married during the open enrollment period, you can apply for health insurance as a married couple. This is usually the simplest option, as your insurance company will combine your incomes and family size to determine your eligibility for subsidies and the cost of your plan.

Applying Separately

If you’re getting married outside of the open enrollment period, you may need to apply for health insurance separately initially. You will have a special enrollment period to apply for a new plan together after your marriage. During this time, you can apply for a plan that includes both you and your spouse.

It’s important to note that your income and family size will change once you’re married, which could affect your eligibility for subsidies and the cost of your plan. It’s always a good idea to compare plans and costs both as married and unmarried individuals to determine the best option for you and your spouse.

Don’t hesitate to seek professional guidance from a licensed insurance agent who specializes in ACA health insurance. They can help you understand your options, compare plans, and enroll in the right coverage for your needs.

Remember, the most important thing is to have health insurance that meets your needs and protects you and your loved ones. By understanding your options and making informed decisions, you can ensure you have the coverage you need to live a healthy and secure life.