Will I Lose My Health Insurance If I Get Married? 9 Tips

Many people in a relationship and planning to get married are worried about their insurance. They are often affected by this question “Will I lose my Health Insurance if I get married?

Well, in this article, we will be discussing whether losing your health insurance if you get married is possible.

Will I Lose My Health Insurance If I Get Married? 9 Tips To Consider

Health insurance is a form of insurance that pays for unexpected medical costs brought on by a disease. These expenditures may be associated with the price of hospitalization, the price of medications, or the cost of doctor visits.

The expense of private healthcare, from diagnosis to treatment, is covered by health insurance, also known as private medical insurance. For acute conditions that arise after your health insurance policy has started, you will pay a monthly subscription that covers all or a portion of the expense of treatment.

Can you lose your health insurance once you marry the man or woman of your dreams? Well, in this article, we will be talking about things to consider. 


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What Are The Things To Consider?

There are a lot of things to consider and factors to look

out for before getting into a marriage with someone, thereby risking your health insurance. But for the purpose of this article, we will focus on 9 important tips, and they include:

1. Check In With Your Employers:

First, confirm that your employer’s initiatives cover dependents.

If so, find out how much each of your plans costs (including monthly premiums, co-payments, co-insurance, and deductibles) and see if you could combine your benefits under one of your plans to save money.

Verify your plan’s costs and the network for each plan if you want to continue seeing a specific practitioner.

If you choose to cover your spouse when they are qualified for coverage through their workplace, see if either employer charges a “spousal surcharge,” a fee added to your monthly premium.

Ask your HR department if getting married will impact your coverage if you have health insurance provided by your workplace.

2. Review Your Policy

In the event of a medical emergency, the health insurance coverage will help you out financially. Life includes dangers and uncertainties related to health. As a result, you must choose a health insurance strategy that meets your evolving wants. 

You should review your health insurance plan regularly because it is a yearly renewable contract to make sure you aren’t forced to pay for medical costs out of pocket.

To find out if getting married will affect your coverage in any way, you should read through the policy and review your health insurance contract.

3. Consider Your Spouse’s Coverage

You might want to consider your plan with your spouse if they have health insurance provided by their workplace to see which one offers more comprehensive coverage.

By considering your spouse’s coverage comprehensibly, you will know what the best action to take is.

4. Check For Spouse’s Coverage

You can enroll in each other’s employer-sponsored health insurance after getting married. Employees typically have only one month out of the year to adjust their health insurance during the open enrollment period. 

A marriage, however, qualifies as a legal excuse that enables you to change your health insurance coverage within 30 days of your marriage.

A life event that qualifies your spouse to join your policy is when your spouse’s health insurance coverage changes or is lost. 

Documentation may be needed for either qualifying occurrence, such as your marriage license or a letter from your spouse’s employer describing the modification to their health insurance coverage.

5. Consider Family Plan

A type of medical insurance called a family health insurance plan provides coverage for every member of your family under a singular health insurance policy. 

Understanding that not every family member will fall ill simultaneously, this plan divides a fixed amount insured among all members. 

Most family health insurance policies provide cashless hospitalization options, pregnancy benefits, and pre-and post-hospitalization coverage. 

 You can switch to a family plan if you and your spouse have individual health insurance policies to save money.

6. Special Enrollment Period

The type of health insurance you purchase on your own rather than through your workplace is called individual health insurance (or individual/family health insurance). 

Every year, there is a window when enrollment is open to buy these plans; in most states, this window runs from November 1 to January 15.

When certain conditions or significant life events occur outside of that time frame, special enrollment periods enable individuals to purchase individual health insurance or change to a different plan.

Your health insurance coverage could be affected if you go through a significant life change.

If you don’t have insurance, you can get it.

Depending on your insurance, you can switch policies. Your insurance may be impacted differently if you have coverage through the NY State of Health or if there is an issue with that coverage.

Certain events cause a “special enrollment” time to start. Outside of open enrollment, special enrollment enables you to obtain or modify private insurance. You should act quickly because special registration windows can last as long as 30 days. 

You might be eligible for a special enrollment time to enroll in a new plan if you lose your health insurance due to getting married.

7. Look Into COBRA Coverage

Under certain conditions, including voluntary or involuntary job loss, a reduction in hours worked, a change in employment, death, divorce, and other life events, the Consolidated Omnibus Budget Reconciliation Act (COBRA) allows workers and their families to choose to continue getting group health benefits from their group health plan for a set period of time after losing their health benefits. 

The full premium for coverage of up to 102% of the plan’s cost may be demanded of qualified people.

Group health plans sponsored by employers with 20 or more employees in the previous year are generally required. In some situations where coverage under the plan would otherwise terminate, COBRA gives employees and their families the choice of a temporary extension of health coverage (known as continuation coverage).

If you lose your health insurance because you got married, you might be qualified for COBRA coverage, which lets you keep your prior coverage for a while.

8. Consider Other Options

Consider considering other choices, such as getting individual health insurance plans or joining a ministry that shares healthcare costs if you and your spouse are losing health insurance coverage.

9. Seek A Professional Guide

Plans for health insurance come in a broad range of prices and advantages. You should study the policy and consult the plan brochure before signing up for a health insurance plan to get detailed information about the features, costs, and benefits.

Where you don’t understand or have questions, you could talk to a few professionals about the situation and get more accurate information on the topic in general.

Speaking with a certified insurance agent or financial advisor for individualized guidance may be helpful if you have particular inquiries or concerns about your health insurance coverage after getting married.

Can You Decide On Being In A Spouse Insurance?

If you’re searching for personal or family insurance, you might wonder if your employer offers any coverage.

Employers are not obliged to offer spousal insurance, though. Furthermore, providing health insurance to employees is optional for employers.

Even though many companies provide subsidized health insurance to entice talented workers, they occasionally do not provide partner coverage. You should have your partner inquire about their health insurance choices with their employer.


What Are The Benefits Of Being In Your Spouse’s Insurance?

When you get married, adding your spouse to your health insurance is beneficial for a number of factors, including:


  • If the same health insurance policy covers you and your partner, managing your benefits and coverage will be simpler.


  • Even if you purchase health insurance through the market, you could still save money.



  • You can simplify your administrative workload by adding your partner to your health insurance plan.


You shouldn’t lose your health insurance coverage after getting married. However, it is crucial to thoroughly review your health insurance policy to comprehend any possible modifications or restrictions that might be necessary after getting married. 

Some policies may demand that you add your partner to your policy or provide married couples with different coverage choices. It is crucial to remember that certain life events, like changes in employment or income, may affect your ability to obtain health insurance. 

You should speak with your health insurance company to review your situation and decide the best course of action to ensure you have enough health insurance coverage.

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