Once you’ve finally walked down the aisle after spending months planning your wedding, you’re likely ready for the honeymoon stage. However, there are still a few tasks that should get taken care of early on, such as updating your health insurance to reflect your marital status. Being married opens up an array of coverage opportunities that are worth exploring. Here is a quick guide to health insurance after marriage to help you get the best plan for you and your spouse. 

What Newlyweds Should Know About Health Insurance  

1. Enrollment Period 

Marriage is a qualifying life event that allows you to change your health insurance plan at any time of the year via a special enrollment period. Generally, you will have 60 days from the date of your nuptials to enroll in a new plan. If you miss the deadline, you will have to wait until the next open enrollment period. 

2. Coverage Options 

There are several factors to consider when choosing a health plan for you and your spouse. You will need to either get a new plan together, separate plans, or add one spouse to the other’s company plan. In some cases, it’s more affordable to maintain coverage individually than to share, as some companies don’t extend discounted coverage to spouses. Before you decide which route to go, find out how your premiums, deductibles, and out-of-pocket expenses will change with each option. 

3. Deductibles  

If you opt for a family plan, pay attention to the type of deductibles offered. An embedded deductible will only cover costs once one person in a family reaches the individual deductible limit. In contrast, an aggregate deductible requires the entire family deductible to be met before any healthcare costs will be covered for individual family members. 

Insurance will play an essential role in protecting the health of your new family. The professionals at Kalita Agency can help you find health insurance plans and prices that work for you. For more than 55 years, they have been entrusted to provide the residents of Litchfield County, CT, with insurance policies from reputable industry providers. Call (860) 274-8882 to speak with their team, or visit them online to request a quote.