Just married? Combine plans, stay separate, or switch — your agent compares every scenario.
Marriage is a Qualifying Life Event — you get 60 days to enroll, switch, or combine coverage. But combining isn't always cheaper. Your combined income changes subsidy eligibility, and the "affordability test" can disqualify you from marketplace subsidies. Your agent runs every scenario and tells you the cheapest total-cost option.
The things nobody tells you — until it costs you money.
Two separate Silver plans may cost less than one family plan. Your agent compares both scenarios by total cost — premium + deductible + OOP max.
Your subsidies are recalculated based on joint household income. Some couples lose subsidies they had as individuals. Your agent recalculates before you enroll.
If your spouse's employer plan is deemed "affordable" (based on employee-only cost), you may not qualify for marketplace subsidies — even if adding you costs $900/mo. Your agent checks this.
Marriage triggers a Special Enrollment Period. You have 60 days from your marriage date to make changes. Employer plans may have shorter 30-day windows.
This page is for you if:
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions.
Depends on your income, employers, and doctors. Sometimes two Silver plans cost less than one family plan. Sometimes joining a spouse's employer plan is cheapest. Your agent compares all three scenarios by total cost.
Yes — subsidies are recalculated based on combined household income. Some couples lose subsidies they had as individuals. Your agent recalculates before you enroll so there are no surprises.
Potentially. If the employee-only cost of your spouse's employer plan is below ~9.12% of household income, you may not qualify for marketplace subsidies. This is the "affordability test." Your agent checks this.
60 days from your marriage date for marketplace plans. Some employer plans have shorter 30-day windows. Don't wait — call as soon as you can.
Yes, if you stay on separate plans or choose a plan where both doctors are in-network. Your agent checks provider networks for both spouses before recommending.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702