If this is the case, its time to sit down and list the pros and cons of both keeping separate health insurance policies, and deciding on one health insurance policy to stick with. On the other hand, your spouse may have a health insurance policy that offers benefits your current health insurance policy doesnt offer, or vice versa. Not all policies are like this but in general this is how it works. One in Weston, MA, the most expensive town in Massachusetts. It can be very difficult to get insurance in the first place and if you do get it forget about ever making a claim or you will be cancelled. You go to Best Buy and buy a new TV and you get a new TV. If youre both extremely satisfied with your own health insurance policies, it may not pay to eliminate one and keep the other. If this is the case, its time to sit down and list the pros and cons of both keeping separate health insurance policies, and deciding on one health insurance policy to stick with. If you buy that and something happens you do not pay more for that service. In most cases insurance is just a scam, a way for them to take more of your money. Not all policies are like this but in general this is how it works. Marriage brings two people, and everything they own, together; sometimes, everything they own includes their health insurance policies. But what happens when you have a loss and actually use the policy? Your rates go up is what happens. If you and your spouse both have health insurance policies, think about how pleased each of you is with your separate health insurance policies. One in Weston, MA, the most expensive town in Massachusetts. Using the same example above regarding the TV, think about the extended warranty/service plan you can buy. There are no guidelines set up in the policy saying you get 3 accidents for free or anything. If this is the case, its time to sit down and list the pros and cons of both keeping separate health insurance policies, and deciding on one health insurance policy to stick with. If you and your spouse both have health insurance policies, think about how pleased each of you is with your separate health insurance policies. Its common for people who share a life together through marriage to also share a health insurance policy. You buy a policy from an insurance company and you get a piece of paper. I wont even tell you what the replacement cost was on that house. When you go buy a new car do you trust the car dealer to tell you how to spend your money? Do you trust a real estate agent to tell you what is a good deal on a house you are looking to buy? If you answered yes to either of these two questions I have some land in Florida I think you might be interested in. You may have a health insurance policy that allows you to see certain specialists your health requires you to see at lower prices while your spouse, who doesnt need to see these specialists, has a plan that doesnt cover these specialists. I worked in the insurance industry for the last eight years and I was always amazed by how many people knew so little about insurance. So why do we trust the insurance companies? Insurance companies are some of the wealthiest companies in the country. You may have a health insurance policy that allows you to see certain specialists your health requires you to see at lower prices while your spouse, who doesnt need to see these specialists, has a plan that doesnt cover these specialists. Ultimately, as long as the coverage needed is offered, and the prices paid are affordable, whether you keep separate health insurance policies or decide to use only one after marriage is entirely up to you. On the other hand, your spouse may have a health insurance policy that offers benefits your current health insurance policy doesnt offer, or vice versa. You get their promise to protect you in the event of a loss. If this is the case, its time to sit down and list the pros and cons of both keeping separate health insurance policies, and deciding on one health insurance policy to stick with. Home Owners Insurance Quote ColoradoCar Insurance Quotes ConnecticutHealth Insurance Quote Vermont. If you buy that and something happens you do not pay more for that service.