Typically, yes, it is cheaper to get health insurance as a married couple. When you get health insurance as a married couple, you can usually benefit from the economies of scale – two people can often get coverage for a lower cost than two separate single policies. For example, if one person gets sick, there is still additional coverage available. This can save you money in the long-run, as one person covering their entire health risk would be more expensive. Additionally, there may be additional discounts available since you are married.
When comparing health plans, it is important to be sure to factor in both the cost of the premiums and the deductible. Depending on where you live, you may even be able to get a combined family policy that offers bulk savings over multiple family members.
It is also important to ask about any requirements for joint ownership of health insurance. For instance, in some states, both spouses must be legally responsible for all medical bills or have joint ownership of the health plan. Be aware of any requirements before making a partnership purchase, such as a joint application or income verification.
Overall, getting health insurance as a married couple can be a great choice to help with medical costs. You can save money by getting a policy together and can often get additional benefits from filing jointly. Be sure to do your research and get the insurance plan that best fits your needs and budget.
