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Ask the Health Insurance Expert


I just got married, and found out we are expecting. How soon can I add my wife to my health insurance provided through my employer?


Congratulations on both accounts.  If your employer allows you to add a spouse to the policy (not all do), then you should add your wife immediately.

Getting married is a qualifying life-event that allows you to make changes to your employer’s health insurance plan mid-term (outside of your open-enrollment period).

I recommend making this a priority since you a short time period -- usually 30 days -- after the life event (your wedding) to add your wife.  If this window of time closes before you sign her up, you’ll have to wait until your employer’s next open enrollment period to add your wife.  Thus, any prenatal and maternity care wouldn’t be covered by your health insurance until you add her.

Last updated: May. 28, 2014