In California, you have the legal right to continue on your former company’s group health insurance plan for a set period of time after a job loss through the Consolidated Omnibus Budget Reconciliation Act or COBRA.

What happens to my insurance if my husband dies?

The death of your husband does not automatically cancel your health insurance coverage. You will need to look around for a new insurance plan, but you are still covered for a period of time while you do. In 1996, Congress passed a law called the Consolidated Omnibus Reconciliation Act, or COBRA for short.

Is it cheaper to have both spouses get health insurance?

And some employers may charge a spousal surcharge to cover your spouse if your spouse can get their own coverage from their employer. In this case, you should decide whether it is cheaper to pay the surcharge or to have each spouse get their health insurance separately from their own employer.

Are there any employers that don’t offer spouses health insurance?

According to National Business Group on Health data, four percent of their members wouldn’t offer coverage to spouses who had access to their own employer plan in 2016, while one percent wouldn’t offer coverage to spouses at all.

Do you have to have health insurance if you are married?

You have the option of putting both spouses on one plan, or selecting two different plans. You can pick separate plans even if you’re enrolling in the exchange with premium subsidies To qualify for subsidies, married enrollees must file a joint tax return, but they don’t have to be on the same health insurance plan.

Who is the primary insurer for a married couple?

Let’s take a look at a few of the more common situations and likely scenarios. A married couple – – A wife has a health plan with her employer, but her husband also includes her on his health plan. In this case, the wife’s employer will be the primary insurer and the spouse’s health plan is secondary.