Would You (and Should You) Get Married For Health Coverage?

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    Should I Get Married For Health Insurance?

    1. giulia says:

      I am tyoe of woman tha tis going to be married once in a life so I’ll don’t do it for citizenship or healt insurance and for the moment in Italy Healtcare is still free

    2. Melissa says:

      I was considering going on my husband’s health care plan when I freelance full time, but $200 a month? I would pay $300 a month with his health care and our deductible would go up to $3k! Looks like I’m checking out Liberty 🙂 Thank you!

    3. Carolyn says:

      I am so glad that my husband had great insurance but it definitely makes it difficult to think about doing any changes in career. It is sorta like golden handcuffs.

      • Stefanie says:

        True. I’ve always said health insurance is not a good enough reason to stay at a job you hate, but these days, who knows…

    4. Emmy says:

      This is interesting. I’ve already re-enrolled on the Marketplace, but I checked out PolicyGenius to see if it gave me a different result. It WAY underestimated my subsidy amount so I hope people actually go to the Marketplace and check there before making any decisions.

      The health sharing ministries are interesting, but I’m agnostic and wouldn’t feel comfortable signing up under them. I haven’t done much research on them, but I do wonder how they may change as time goes on and laws change. So much is up in the air right now with regards to insurance. I hope more affordable solutions are on the way for everyone.

      • Stefanie says:

        The future of the insurance landscape is DEFINITELY unpredictable, so I’m glad to have found an alternative (at least for now). I too am agnostic, which is why I was so grateful to have found at least one ministry that accepted people of different belief systems.

    5. Bailey says:

      My now-husband is military and while we didn’t solely marry for the money reasons, it was definitely a factor in why we got married a few years sooner than we had originally planned. Being married allowed him to move out of the barracks and collect BAH for housing (we could save money by getting a cheaper house off-base but we chose not to), BAS for food (it’s technically only for his meals, but it’s actually enough for the both of us for an entire month of groceries!), and separation pay if he is sent away on temporary orders or deployed (which if we’re going to be apart anyway, we might as well get the money for it.) In addition, I get free health insurance and can take some college classes for free as a military spouse. Plus, being married allowed us to save money because we don’t have to spend hundreds of dollars a month traveling to see each other.

      While I definitely DON’T recommend getting married solely for the money (and unfortunately, many soldiers marry for this reason), it was a good decision for us since we knew we were going to get married sooner or later.

      • Stefanie says:

        Yes, there are SO many benefits you get from being married. It’s unfortunate that singles aren’t allowed some of those same benefits. I’m sure it would help ease the rush of marriage (especially for those who aren’t ready).

    6. Marriage is about love. The finances will fall into place with or without partnership, and it’s important to keep a healthy understanding of what’s important in life over simply what’s going to save you more money.

      • Stefanie says:

        Ideally, yes. That’s why it’s a shame that those marital benefits aren’t more accessible outside of marriage. It rushes people into marrying who might not otherwise be ready. Though historically speaking I’d argue that marriage has been about economic transaction more than anything :/

      • VICTORIA LYNN says:

        I believe it use to be about love. But, today is so entirely different. I too had rose colored glasses. But, life has a way of changing all that.

    7. TJ says:

      Very cool that the Liberty Healthshare route works for you. That definitely would have been my choice if I wasn’t keeping health insurance in place through my family’s small business. I briefly even considered putting LIberty in place as a secondary option to mitigate costs, but, I mean, i didn’t go to the doctor once in 2016 and paying my deductible and coinsurance would not be a hardship.

    8. Desi Hisab says:

      The topic was so engaging that I started reading down the post. Keep up guys! There are so many health insurance plans for singles also, isn’t?

    9. Louise says:

      If you read a lot of reviews in it they are either glowing or horrid. Probably the glowing ones are Liberty employees. When they start talking about God and faith-based red flags go up this is a scam. Or it’s glowing as long as you don’t have to use it. My guess is that you are a Liberty employee.

    10. Louise says:

      My obamacare is going to be close to $900 a MONTH for individual coverage starting November 2019. I have to get married for “household income” so I can get subsidies. and to someone I don’t even love. but I can’t afford $900 a month with a $7,000 deductible.

      • Stefanie says:

        Louise, that’s hard to come to terms with. Sadly so many people are facing issues like that and I strongly suggest not marrying that person. See if you can qualify for a group rate through a freelance market instead!

    11. Anil Kumar says:

      What are the options to get a health insurance at cheaper premiums as I am not looking forward to getting married soon?

      • Stefanie says:

        There are programs available through the ACA, healthcare marketplace, and some private insurance retailers. Does your employer not offer insurance?

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