This video explains the possibilities and limitations of obtaining health insurance coverage for a spouse independently from an employer-sponsored plan.
- You cannot obtain health insurance solely for your spouse through your employer’s health insurance plan.
- There are some government options such as Medicaid and Medicare to provide coverage if your spouse meets the eligibility criteria.
- State or federal marketplace exchanges offer plans that can cover your spouse, with rates and discounts that are income-based.
- Directly purchasing from an private insurance company or through an agent is an option outside of open enrollment periods or if marketplace options are unsuitable.
- If coverage is needed for a brief period, short-term health insurance plans may be a practical solution for your spouse.
