Getting married this year? Consider changing your coverage

As newlyweds, deciding whether you choose one family plan or stay on separate plans depends on your coverage and cost needs.

Answer the questions below to decide how to change your coverage.

1. Check to see if your doctors are in network

What this means for you:

If you or your spouse prefer to see a specific doctor, specialist, or clinic, it’s important to consider which plans cover them in network.

2. Think about your care needs

What this means for you:

Consider what your care needs are to determine the right plan for you. Do you or your spouse take regular medications, have an upcoming surgery or plan on growing your family? Compare a family plan with two individual plans to see which covers your needs better. Some employers charge a penalty if you do not take advantage of your individual company’s plan, so check to see if your company is enforcing this policy.

3. Determine what cost-saving plan works best for you

What this means for you:

If you and your spouse are generally healthy, you might save money paying for a less expensive plan. If you plan to need more care this year, you may want to pay more for different coverage.

Read next

UnitedHealthcare helps you balance cost and coverage.

Picking a plan

Choosing UnitedHealthcare

UnitedHealthcare helps you balance cost and coverage.

Checklist to pick a plan

Find the right plan for you with this checklist.

Getting married checklist

Decide which plans are right for you and your spouse.

Having a baby checklist

Understand what plan coverage you may need for pregnancy and delivery.

Changing health needs checklist

Consider what plan coverage you may need for your health condition.

Health insurance made easier

Understanding coverage

How to plan for the coverage you need.

Sharing costs

See how you and your plan share costs.

Terms to know

Start talking the talk—and understand what it means for you.