What is a qualifying event?

A qualifying life event (QLE) is a change in your circumstances that makes you eligible for health coverage during a Special Enrollment Period (SEP). Typically, you can only enroll in an Individual or family plan during the annual Open Enrollment Period (OEP), which runs from Nov. 1 to Jan. 15. Qualifying life events include losing health coverage, aging off a parent's plan, having a child, and adoption.

Is marriage a qualifying event for health coverage?

Yes. Marriage, legal separation, and divorce are all qualifying events that make you eligible to change your health plan. The Special Enrollment Period starts on the day of the marriage and lasts for 60 days. During this time, you can sign up for an individual or family plan through the Health Insurance Marketplace®.

Adding a spouse to health coverage after a marriage

If one spouse had health coverage for at least one day in the 60 days before the marriage, the other spouse may join their plan.

If both spouses had health coverage, they could decide whether to keep their existing plans or join one plan. Factors to consider include the cost of the plans, coverage, and participation with existing health care providers.

How long does it take to get coverage after a marriage?

Your health coverage will begin on the first day of the month after you enroll. For example, if you enroll on April 1 or April 30, your health coverage will start on May 1.

Do health plan companies verify marriage?

Yes, your health plan provider will need an official document that proves the date the marriage took place.

Obtaining proof of marriage for health coverage

Several documents are accepted as proof of marriage for health coverage, including:

  • Marriage certificates and licenses
  • Public records
  • Religious documents
  • Affidavits that have been signed and dated by an officiant or official witness

A copy of one of these documents can be mailed or sent electronically to your health plan provider. If you don't have one of these documents, reach out to your health plan company. It's a good idea to send the documents soon after your marriage because the 60-day Special Enrollment Period begins on the day of the marriage. Acting quickly allows for any issues with documents or mailing to be resolved without cutting too close to the deadline.

How to choose a new health plan after marriage

Why choose Priority Health?

We are a Michigan-based company deeply rooted in our community, recognized for quality, customer service, transparency and product innovation. Our plans focus on improving our members' health while keeping costs affordable.

MyPriority® Individual and family plans give you the most value for what you value most. With benefits like chronic condition coverage before your deductible is met, you can take control of your health at an affordable price. Priority Health also has one of the largest networks of primary care doctors across lower Michigan, including metro Detroit.

See if you qualify for savings

When you get a quote for a MyPriority plan, we'll check if you qualify for financial assistance through a tax subsidy.

If you have questions or need help enrolling, you can chat or call an enrollment specialist at Priority Health.

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Frequently asked questions

Will I lose my health coverage if I get married?

No, getting married does not require you to change your health plan. You can continue using your current health plan if you're happy with it.

Can you stay on your parent's health plan after marriage?

Yes, individuals can remain on their parent's health plan until the age of 26, even if they get married. Newlyweds should carefully consider their options to determine if remaining on their parents' plans or having a joint plan would grant necessary coverage at the best price.

Can married couples have separate health plans?

Yes, you and your spouse can have separate health plans or even plans with different providers, if you choose.