You can only add a spouse after open enrollment has finished if you qualify for a special enrollment period. During open enrollment you’ll be asked a number of questions about your income and your household. In order to qualify your spouse under the Marketplace plans, you must be legally married.

Can you add someone who is not your spouse to your health insurance?

In order to add someone to your health insurance policy, you must first show an insurable interest. That generally limits the people you can add to immediate relatives such as your spouse, children, or dependent parents and grandchildren. The insurance company must recognize your arrangement if it is honored by law.

Is a spouse getting a new job a qualifying event?

A change in your spouse’s employment is considered a life or career event and gives you the opportunity to make change to the benefits shown below.

What is a qualifying event to cancel insurance?

Below is a list of the qualifying life events: Gaining a dependent or becoming a dependent through birth or adoption. Getting married. Applicant or dependent lost minimum essential coverage due to termination or change in employment status. Gains a dependent or becomes a dependent through marriage or partnership.

Can I switch health insurance if my spouse gets a new job?

If a married couple who each have health insurance through a job wants to switch coverage from one employer to the other, usually it’s a snap. During the fall open enrollment period the husband, for example, can simply drop his on-the-job coverage for the new year and his wife can add him to her plan Jan. 1.

What happens if you lose your spouses health insurance?

Losing the coverage you had under your spouse’s plan will make you eligible for a time-limited special enrollment period in the individual insurance market, on- or off-exchange (note that in this case, you have 60 days before the loss of coverage, and 60 days after the loss of coverage, during which you can pick a new plan).

Can a ex spouse still have health insurance after a divorce?

Employer-Group Coverage Doesn’t Cover an Ex-Spouse. Many people across the United States are covered by employer coverage or their spouse’s group plan. For many employer plans, health insurance is provided to eligible dependents of the subscriber. The health insurance company will establish who meets the definition of an eligible dependent.

What happens if one spouse has employer coverage?

If one spouse has employer coverage it doesn’t effect whether the other spouse has to be offered coverage. The family is free to choose either employer plan, although they should choose the best option for them.

Can a married couple switch their health insurance?

If a married couple who each have health insurance through a job wants to switch coverage from one employer to the other, usually it’s a snap. During the fall open enrollment period the husband, for example, can simply drop his on-the-job coverage for the new year and his wife can add him to her plan Jan. 1.