LAS VEGAS - nvtip -- Getting married means lots of conversations about combining everything from last names to bank accounts. While picking a health insurance plan that covers both of you may seem practical, there are cases in which maintaining separate policies makes more sense.

Know Your Options
If you both have jobs that offer health insurance, it's cheaper to accept your own health insurance plan because employers are required to pay 50% of the employee only coverage, and if they choose to pay more, they can. If the employer chooses to pay for spouse and dependents, they can. That's up to the employer, but they are required to pay for ½ of the employee's cost. So, it's cheaper to accept your own plan and have your spouse do the same with their employer.

Not all couples have a choice when it comes to their health insurance coverage. If one spouse is unemployed or doesn't have access to health insurance through their employer, then paying a higher monthly premium to include coverage for your spouse (and dependents if you have children) for a health insurance plan that covers all family members may be the only option. As of the writing of this article, if you have an employer that OFFERS coverage, whether you take it or not, just being offered, most likely you will not be eligible for a "subsidy" from the Government. There may be changes in the future, but for now, this is how it works.  If OFFERED a plan at work, most likely you will NOT qualify for a subsidy.

More on nvtip.com

• An Open Letter on the Impact of Netverse From the CEO of Phinge Corporation
• Delirious Comedy Club's 2-for-1 Tuesdays: The HOTTEST, FUNNIEST Deal in Vegas!
• Twice the Laughs: Comedy Star Don Barnhart Rotates Residency at Both Delirious Comedy Club Locations in Las Vegas
• Las Vegas Unveils Redesigned Rideshare Pickup at Harry Reid International Airport to Provide Travelers a Fabulous Welcome
• Comprehensive Music Industry Guide For Music Artists by LHMPR Radio and Keez MC

Some employers contribute to spouse and children, others do not contribute. Each employer can decide to help pay for spouse and children premium. They are not required to help pay for spouse and dependents.  This is the employer choice. They do, however, have to OFFER it. If the employer does not contribute, then spouse and kids will pay full price for their health plan. It's then where the spouse and kids can look at other options. Getting quotes for a private plan may be a valid option.

DO NOT buy a health plan without speaking with a licensed agent. Many may turn to Nevada Health Link looking for a subsidy to help them pay their health insurance plan when they or a spouse have group insurance offered to them. This may result in paying thousands of dollars back to the IRS.

Read the full article: https://www.nevadainsuranceenrollment.com/should-married-couples-combine-health-insurance/

More on nvtip.com

• Why Have PPO Plans Vanished from Nevada's Individual Market?
• Health Insurance Benefits for American Indians
• Your Body Isn't Broken—It's Out of Balance: The New Book Revealing the Blueprint to Restore Hormone Balance, Sleep, Gut & Metabolic Health
• RISE FESTIVAL UNVEILS OFFICIAL SCHEDULE FOR 10TH ANNIVERSARY CELEBRATION IN THE MOJAVE DESERT
• Youth Take the Lead: Kopp Foundation for Diabetes Hosts "By Youth, For Youth, With T1D" Gala on October 8 at Blue Bell Country Club

Learn more: https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/

Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com