Insurance for fiance

[Becca Edgerton 1]

Does anyone have recommendations on what insurance companies to use for my fiance once he arrives on his K1 visa? I will remain on my parents plan because it is cheap but we cannot add spouses to ours. Thoughts?   

[NigeriaorBust 4,087]

  Have your parents check that you can still be on their insurance if you are married.  Many only allow single children. 

[TBoneTX 43,019]

Thread is moved from the K-1 Process forum to the "Moving to the US" forum -- topic pertains to that stage.

[Wuozopo 4,285]

Insurance is state and sometimes region specific within a state. You can try healthcare.gov (the Obamacare marketplace) and try to see what is available. Sometimes that will give you an idea of companies operating in your state as a starting point. Then you can go directly to that providers website and explore all the plans they might offer to individuals or contact them directly. You don't have to buy from the Obamacare website, but can use it for names of companies you might want to look at. They might have other plans not  on the marketplace. 

[Chris Duffy 1,256]

On ‎6‎/‎11‎/‎2018 at 12:11 AM, NigeriaorBust said:

  Have your parents check that you can still be on their insurance if you are married.  Many only allow single children. 

I have never heard of an insurance allowing a married child to remain on the parents insurance

[Wuozopo 4,285]

2 hours ago, Chris Duffy said:

I have never heard of an insurance allowing a married child to remain on the parents insurance

Part of Affordable Care Act. Healthcare.gov says

You can stay on a parent’s plan until you turn 26

Once you’re on a parent’s job-based plan, in most cases you can stay on it until you turn 26.

Generally, you can join a parent’s plan and stay on until you turn 26 even if you:

• Get married
• Have or adopt a child
• Start or leave school
• Live in or out of your parent’s home
• Aren’t claimed as a tax dependent
• Turn down an offer of job-based coverage

If you’re covered by a parent’s job-based plan, your coverage usually ends when you turn 26. But check with the employer or plan. Some states and plans have different rules.

If you’re on a parent’s Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).

 

[Chris Duffy 1,256]

38 minutes ago, Wuozopo said:

Part of Affordable Care Act. Healthcare.gov says

You can stay on a parent’s plan until you turn 26

Once you’re on a parent’s job-based plan, in most cases you can stay on it until you turn 26.

Generally, you can join a parent’s plan and stay on until you turn 26 even if you:

• Get married
• Have or adopt a child
• Start or leave school
• Live in or out of your parent’s home
• Aren’t claimed as a tax dependent
• Turn down an offer of job-based coverage

If you’re covered by a parent’s job-based plan, your coverage usually ends when you turn 26. But check with the employer or plan. Some states and plans have different rules.

If you’re on a parent’s Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).

 

That is insane

[Wuozopo 4,285]

3 hours ago, Dee elle said:

Tempted to say that this is only one of the any health care industry “insane “ decisions. In my opinion of course. 

I think it was an Obamacare government decision, as was that insurance companies have to insure anybody with any medical condition. I have to go private individual. My plan gets dropped every year or the company leaves the market. Then I am left to choose from plans    offering worse coverage and higher deductibles for more money.