Should married couples combine health insurance?
Whether or not you and your spouse should combine health insurance doesn't exactly inspire thoughts of romance, but it's an important topic for any about-to-be-married or married couple to discuss. 关于 三分之一的夫妇 opt for separate plans — but that also means over two-thirds share the same health insurance. 你的医生偏好, medical needs and out-of-pocket costs are just a few of the important considerations in healthcare plans for couples. Use this conversation guide to get started in understanding the difference between single vs. 已婚健康pp王者电子官网.
What health insurance options are available to you?
Many people are offered a variety of health insurance options through their employer. 其他人的选择可能更有限. 例如, a self-employed individual seeking individual insurance may find that they have fewer options to choose from and, 通常, 这些选择更昂贵. 在这种情况下, it may make sense to explore one spouse's healthcare plans if offered through their employer to see if a more comprehensive and/or budget-friendly option is available.
你的医疗需求是什么?
有特殊健康状况的人, 尤其是慢性疾病, may have a greater need than their spouse for expanded or specialized services. 在这种情况下, it's important to weigh the options available to decide if it makes more sense to combine your health insurance plans as a couple or keep separate individual plans. 如果配偶一方的医疗需求较少, it may benefit them more not to combine their health insurance.
Is combining health insurance helpful toward meeting a deductible?
根据 2020年规定, 每个家庭支付的费用不得超过16美元,400美元的自付费用, and that includes multiple family members on one policy, so it may make sense to combine health insurance plans if it helps you more easily reach that out-of-pocket maximum w在这里 insurance pays 100% for covered services. Otherwise the total will apply to each separate policy.
有医疗pp王者电子官网配偶附加费吗?
近90%的雇主 that offer health insurance also offer spousal coverage, with some caveats. Some may only offer coverage if the spouse doesn't have their own employer option. 其他人, 超过30% of companies in fact — may charge a premium to add a spouse, while some may reimburse an employee who enrolls in their spouse's plan instead.
Taking all of these factors into consideration — available options, medical needs, costs, etc. — can help you determine which choice is best for you and your spouse.
