Health insurance can sometimes be extremely expensive to purchase. Getting health insurance as a married couple when one or both of you are employed can help you save a lot of money. There are other options for married couples when it comes to health insurance:

Married Couples
Health insurance providers typically let you and your spouse choose a joint plan.  Your employer will pick their own rules for health insurance coverage for married couples.  You must check with your employer to ensure that they offer a joint option. Check the health insurance package to see the costs, benefits, and so on.

Benefits for Freelancers
If you are self-employed, getting health insurance through your spouse can be a benefit of marriage.  This is almost always a less expensive option than purchasing an individual health insurance plan. 

Joint Plans
If you and your spouse do not receive coverage through an employer, purchasing an individual health insurance plan as a married couple will save you some serious dollars.  Combining health insurance will make it easier to make your deductible.  One doubtful may be if one spouse has a serious health condition.  A combined insurance plan may raise the rate of the healthy spouse because of this.

Cost-Saving Options
Want to save money on health insurance?  Consider the option of getting a high deductible plan.  When you pay out-of-pocket at most of your doctor’s visits, your other costs will be covered because you hit your deductible.
Some individual health insurance plans charge high premiums for maternity coverage and, if you want maternity coverage, combining plans and getting a maternity plan and then a high-deductible plan for your spouse can help you save money if you get pregnant.

Remember, open enrollment starts November 1st, 2018 in New Jersey.  If you and your spouse are in need of health insurance, contact Cosmo to get cost-savings options.  We can help you choose a plan that is right for you both.

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance. 

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