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health insurance married or single

What’s Better? Getting Health Insurance As a Married Couple or Single?

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 indivudal 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 is 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.

We are located in Bergen and Ocean county.  Call us to schedule a meeting at one of our offices or yours!

 

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