Can I get a health insurance policy for my family separate from the one for myself?
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Asked June 24, 2013
All members of your immediate family do not have to belong to the same health insurance plan. As a simple example, a married couple might both have health coverage through their respective employers rather than belonging to the same health plan through only one employer.
There are situations where individual health plans are less expensive when purchased separate from the family policy. Since individual health insurance programs are stricter about they will insure, the plans tend to be less expensive as well. This is because a group health insurance plan is guaranteed for all members, regardless of their health or preexisting conditions, and that drives up the average cost of all medical procedures and visits. With an individual plan, your premiums are based on the risk of insuring you, personally, so the rates tend to be far less.
Another situation that has caused people to pursue separate health insurance policies in the past has been that insurers could refuse coverage to people with preexisting conditions. Many times, that forced families to seek health insurance through different insurers out of necessity. As the Affordable Care Act, better known as Obamacare, goes into effect next year, insurance companies will no longer to be allowed to refuse coverage based on preexisting medical conditions, and may help to consolidate family insurance plans in the long run.
You can even have more than one medical insurance plan for yourself, so long as you make sure that the plans do not overlap. For example, you might have a primary plan for doctor visits, with supplemental health plans for prescriptions, and another for dental care, both acting separately from the primary health plan to give you better coverage on the things you need.
Answered June 24, 2013 by Anonymous