Learn how to get the right health coverage after a change in your marital status.
Under the Affordable Care Act, all American citizens are required to acquire health insurance. If they do not sign up for coverage, they will likely face tax penalties. Citizens must sign up for coverage during the open enrollment period. While the 2017 period has closed, that’s not to say that you can’t still acquire health insurance, especially when you’re expecting a change in your marital status. Learn how you can get the health insurance that you need through special enrollment.
Adding a Spouse
When getting married, you’re typically able to add your spouse onto your employer-based insurance policy. This type of change is usually allowed under the special enrollment period as a “qualifying life event.” But, before you choose a policy, it’s important to do your research. Review your employer-based plans to see what services are offered. Weigh the costs and benefits of your options so that you choose the best policy for your needs.
Removing a Spouse
Getting divorced is a stressful process. As soon as the papers are signed, your health insurance likely no longer covers both spouses. To get the insurance that you need, there are several options. Enrolling in COBRA coverage under special enrollment can help you keep your current coverage for the time being. Additionally, searching for coverage under your employer-offered benefits is a good option. You also have the option of searching for coverage through a private company, should you choose to do so. Before you decide on a plan, conduct the necessary research to determine which option is best for your needs.