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7 Answers

Will getting married affect my health insurance? (Blue Cross Blue Shield)?

Asked by: admin Wedding Insurance

I am on my parents insurance plan and still in school but my boyfriend and I want to get married (he is also in school – we are seniors). I am 22 and recently found out I am pregnant so I need health insurance. Should I postpone the wedding until after the baby is born or until my boyfriend gets a job with health insurance?

7 Answers



  1. Clay on Mar 08, 2011

    health-quotes.isgreat.org – I switched to this health insurance from them, cause it gives much cheaper rates for mе.

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  2. RoofingPrincess on Mar 08, 2011

    Evidently, under the Affordable Care Act, your parents can keep you on their insurance even if you get married:

    Until now, health plans could remove enrolled children usually at age 19, sometimes older for full-time students. Now, most health plans that cover children must make coverage available to children up to age 26. By allowing children to stay on their parents’ plan, the Affordable Care Act makes it easier and more affordable for young adults to get health insurance coverage.
    Your adult children can join or remain on your plan whether or not they are:
    married;
    living with you;
    in school;
    financially dependent on you;
    eligible to enroll in their employer’s plan, with one temporary exception: Until 2014, “grandfathered” group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parents’ plan.

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  3. plain ol' bill on Mar 08, 2011

    You can stay on, if they agree to it. Your child will not be covered at all.

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  4. Woof on Mar 08, 2011

    You can stay on assuming that you don’t have your own employer coverage available. Keep in mind that your child, once born, will NOT be covered.

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  5. mbrcatz on Mar 08, 2011

    As long as your parent’s insurance renewed after 09-23-10, AND their employer didn’t get an exemption to the law, your marriage won’t effect the insurance eligibility.

    Keep in mind, you can’t add baby to mom or dad’s insurance policy – grandparents CANNOT add grandchildren. So . . . you’ll need a plan, for health insurance for baby.

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  6. Insurance Pickle.com on Mar 08, 2011

    If your parents want to keep you on their plan then they can, but they don’t have to. And, if they do they do the baby won’t be covered. You need to make sure your boyfriend has coverage so that the baby has a plan to go on to.

    Clear?

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  7. StephenWeinstein on Mar 08, 2011

    You or your boyfriend needs to get a job with health insurance before the baby is born. The baby will need health insurance once it is born, and the only way that can be done immediately is if one of its parents has health insurance, either from their own plan or from their own job, not from their parents (the baby’s grandparents). (The baby cannot be put on your parents insurance.)

    If your boyfriend’s does not a job or cannot get you health insurance from his job, then you can get married and stay on your parent’s health insurance. If you could get health insurance from your boyfriend’s job, then you would have to leave your parent’s health insurance.

    When the baby is born, you or your boyfriend will have to leave the health insurance from your parents or his parents, and get your own with the baby. (The baby cannot be on its own plan, and it cannot be on a plan with a grandparent. It has to be with a parent and no grandparent, which means that one of the baby’s parents has to be on a separate plan from the grandparents.)

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