Can I get separate health insurance from my husband?
Asked by: Dr. Triston Sawayn II | Last update: October 19, 2025Score: 4.3/5 (41 votes)
Can a married couple have separate health insurance?
You have the option of putting both spouses on one plan or selecting two different plans. You can pick separate plans even if you're enrolling in the exchange with premium subsidies. To qualify for subsidies, married enrollees must file a joint tax return, but they don't have to be on the same health insurance plan.
Can I remove my domestic partner from my health insurance?
``You cannot remove your spouse/ex from your health insurance plan at any time. As a general rule, you can only drop your spouse/ex from your health insurance if there is an open enrollment period or you're experiencing a qualifying event, such as getting divorced or buying a new health insurance plan.''
Can married people have separate insurance?
Technically speaking, yes you can each have your own policies and pay separately. Many spouses that separate their finances do this.
Can I have my own insurance and be on my husband's insurance?
Can I keep my plan and join my spouse's plan? Yes, you can. If you already have health insurance, you can also opt to go on your spouse's as a form of secondary insurance, says Gross. Your primary insurance will pay its share of your medical costs first.
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Can I drop my spouse from my health insurance?
Employers generally allow only eligible dependents on their health plans. This means the spouse is covered until the official end of the marriage. Open enrollment periods or qualifying life events, such as divorce, are times when changes can be made to health insurance plans.
Can you have two health insurance plans?
Can I have 2 health insurance plans at the same time? Yes. A process called coordination of benefits determines which insurance plan will pay first. Your primary plan will pay for the health claim first, paying the costs up to the plan's coverage limits, and then your second plan will kick in.
Why is adding a spouse to health insurance so expensive?
A spousal surcharge is an additional fee on a medical plan if an employee's spouse is eligible for health insurance through their own employer on their own plan. This surcharge is a method used to help control employer costs.
Do health insurance companies verify marriage?
Both employers and insurance companies are generally permitted to implement proof-of-marriage policies provided they act in conformity with federal and state law.
Should married couples have separate life insurance?
While nothing can prepare you for the emotional loss of a spouse or partner, life insurance can help prepare you for financial loss. Most couples opt for separate individual policies, but joint life insurance can also be an attractive option for some.
Can legally separated spouse stay on health insurance?
Legal separation in California can be a strategic option for couples who want to maintain health insurance coverage while living apart. Unlike divorce, legal separation allows spouses to stay legally married, which means the dependent spouse can often remain on the other's health insurance plan.
What states do not recognize domestic partnerships?
Some states, such as Florida, New York, and Texas, do not provide for domestic partnerships at the state level. However, exceptions do exist. The same is true in Florida, where state-wide provisions for registering domestic partnerships do not exist.
What happens if you break up with a domestic partner?
The domestic partnership will terminate automatically six months after the date the Notice of Termination of Domestic Partnership is filed with the California Secretary of State, as long as neither partner revokes (cancels) the termination before the end of the six-month period.
What is the working spouse rule?
The Plan's Working Spouse Rule states that, if your spouse is working for an employer who offers a health plan, the Plan requires them to enroll in that employer-sponsored coverage to be eligible for Plan coverage. Your spouse must confirm whether they have access to and are enrolled in their employer's health plan.
Can you claim your spouse as a dependent if they don't work?
The taxpayer's spouse cannot be claimed as a dependent. Some examples of dependents include a child, stepchild, brother, sister, or parent. Individuals who qualify to be claimed as a dependent may be required to file a tax return if they meet the filing requirements.
Does marital status matter in health insurance?
Does marital status matter for health insurance? If you are looking for affordable health insurance for married couples, then your marital status might matter. While many states recognize common law marriages, whether it qualifies you for your spouse's health insurance policy may vary.
Can an employer deny a spouse health insurance?
Spouses are not considered dependents in the legislation, so employers are not required to offer coverage to spouses.
Do health insurance companies verify your income?
The Marketplace will check if your annual household income matches the most recent data from our data sources.
Why did my insurance go down when I added my wife?
Sharing a policy is generally cheaper because you'll split the cost of certain coverages. You benefit from your spouse's clean driving record: If you've had violations or accidents, your spouse's clean driving history may result in a more competitive rate.
Can a married couple have two health insurance?
Having dual coverage is perfectly legal. But you must coordinate your two policies correctly to ensure you cover your medical expenses compliantly.
Will my insurance go up if I add my husband?
Combining your car insurance can save you money with a Multi-Policy Discount. Married people are often seen as more stable and less of a risk which can result in lower rates. It's easier to manage a single auto policy rather than 2.
Is it illegal to have two types of health insurance?
Yes, you can have two health insurance plans and it is perfectly legal, but it is also important to fully understand how primary vs secondary insurance operates.
How do you determine which insurance is primary?
The insurance that pays first is called the primary payer. The primary payer pays up to the limits of its coverage. The insurance that pays second is called the secondary payer. The secondary payer only pays if there are costs the primary insurer didn't cover.
Do you still pay a copay if you have two insurances?
In most cases their secondary policy will pick up the copay left from the primary insurance. There are some cases where the secondary policy also has a copay and those patients may end up with a copay applied after both insurances process the claim.