Should I tell my insurance company I got married?
Asked by: Quinton Witting | Last update: November 27, 2025Score: 4.7/5 (72 votes)
Do I have to tell my insurance company I got married?
As with any other life change, if you are already enrolled in a health plan through Covered California, you'll need to report it.
Will my insurance go down if I get married?
Your personal relationship status does have an impact on what you pay for car insurance. Because married drivers are seen as more financially stable and safer drivers, they typically pay less for car insurance.
Do I have to say I'm married on my car insurance?
Many insurers, including Progressive, require you to add a spouse to your car insurance policy if you're both living in the same household (unless your state gives you the option to exclude your spouse).
Does getting married affect your health insurance?
No; you getting married will have no impact on your eligibility to be on their insurance and their insurance company will have no idea. Unless you use the marriage as an opportunity to be added to your new spouses plan. Then the two plans have to be informed of each other so they can coordinate benefits.
Getting Married | What You need to know about your health insurance
What benefits will I lose if I get married?
If you get Social Security disability or retirement benefits and you marry, your benefit will stay the same. However, other benefits such as SSI, Survivors, Divorced Spouses, and Child's benefits may be affected.
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.
Do I need to update my car insurance when I get married?
Are spouses automatically covered by the other spouse's car insurance? No. Being married doesn't give coverage to spouses or their vehicle on the other's car insurance policy. To add a spouse and their vehicle to an insurance policy, the insurance company must be notified.
Do health insurance companies check if you are married?
Health insurance providers may ask applicants to prove their domestic partnership through: letters from family and friends verifying the relationship, having the same permanent residence for the past six or more months, and sharing the costs of running a household.
Why do insurance companies ask if you are married?
Why does marital status matter to insurance companies? Simply put, statistics often show a correlation between marital status and risk levels. Married drivers, in general, tend to get lower rates than single drivers, as they statistically pose a lower risk of accidents.
Do you pay more for car insurance if you're married?
Does being married get me better car insurance rates? Yes, married couples typically pay lower premiums than single people. In general, insurance companies view married people as financially stable and safer drivers.
Does getting married affect your credit score?
No, getting married does not have any affect on your credit. Credit reports do not record marital status. Credit scoring systems, which calculate scores using credit report data, therefore do not and cannot factor marital status into your scores.
Can I drive my wife's car if I'm not on her insurance?
If you're not on the owner's policy, applicable coverage will again depend on consent. Assuming the driver gave you consent to operate the vehicle or, at the very least, there is reasonable belief that you had permission to drive it, then you're probably covered.
Do you have to show proof of marriage for insurance?
Eligibility Documents
You must provide a copy of your official marriage certificate to prove that you are legally married to your spouse. Proof of common residency and proof of combined finances.
How does being married affect insurance?
4. Does Marriage Status Affect Car Insurance? Marital status doesn't affect your eligibility for car insurance, but it can affect your rates. Being married makes you statistically less likely to file a claim, and your insurance company should recognize this statistical fact by rewarding you with lower premiums.
Does getting married lower your taxes?
When you are married and file a joint return, your income is combined — which, in turn, may bump one or both of you into a higher tax bracket. Or, one of you is a higher earner, that spouse may find themselves in a lower tax bracket. Depending on your situation, this could be a tax benefit of being married.
How does getting married affect your health insurance?
When you get married, you can change your health coverage. You can add yourself, your new spouse and children to your employer's plan, enroll in your spouse's employer's plan, or find coverage through the Health Insurance Marketplace (Marketplace).
Do insurance companies ask for proof of 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.
What is the working spouse rule for Blue Cross Blue Shield?
The Working Spouse Rule states that a spouse must enroll in their employer's health plan. The rule applies if the spouse works for an employer who offers a health plan, and the employer pays at least 50% of the total premium for single coverage.
How do I change my married name on my insurance?
Most institutions allow you to request a change in person, by email or by fax, but you may need to provide your marriage license or new identification as valid proof.
Can I stay on my parents' car insurance after marriage?
Some insurers allow adult children to remain on their parents' car insurance policy even after marriage, as long as they meet certain criteria such as residing at the same address or being financially dependent.
What is a progressive marriage?
In short, voluntary, progressive marriage is a marriage that meets the voluntariness of getting married, living together, and divorce.
Do health insurance companies verify marriage in the US?
Do health plan companies verify marriage? Yes, your health plan provider will need an official document that proves the date the marriage took place.
Do you get kicked off parents insurance if you get married?
Yes, as long as you are younger than 26. Being married does not affect your eligibility to be covered as a dependent under your parent's plan.
Does marital status affect health?
Literature on health and mortality by marital status has consistently identified that unmarried individuals generally report poorer health and have a higher mortality risk than their married counterparts, with men being particularly affected in this respect.