Can I put my husband on my health insurance?

A. Yes, it is legal. The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. However, only 86 percent of those employers allow spouses to enroll if they have access to coverage from their own employer.

How can I get my husband’s insurance?

When it comes to health insurance, marriage is a qualifying life event. This means you don’t have to wait until open enrollment to add your new spouse to your plan—you can do it within 30 days of your marriage. If your company uses Zenefits’ HRIS, adding your spouse to coverage is easy.

How long does it take to get on my husbands insurance?

It is called a special enrollment period, and it begins on the date you get married and usually lasts 30 to 60 days. If you don’t enroll during this time, you’ll have to wait for your insurance company’s open enrollment period, which is an annual time period during which you can add your spouse.

What kind of health insurance can I get in the marketplace?

A health insurance plan with savings on your monthly premiums and out-of-pocket costs based on your household size and income. Free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). You’ll learn if you qualify for these options when you fill out a Marketplace insurance application.

Can a spouse get insurance on the individual market?

You mentioned that your coverage is provided for a small fee — as long as it’s not more than 9.56 percent of your household income, your husband would not be eligible for a marketplace subsidy on an individual plan.

What kind of health insurance can I get with my husband?

One of you may opt for a traditional copayment (or copay) plan that charges flat rates for certain covered care while the other decides to enroll in a high-deductible health insurance plan paired with a health savings account. If so, you could get the best of both worlds.

Can a part time employee buy insurance on the marketplace?

If you’re offered health coverage by your employer, you can buy insurance through the Marketplace instead. But you may not qualify for a premium tax credit and other savings based on your income.