Newlywed couples will be pleased to know that they have several discounts available to them. One considerable place they will see savings is in their health insurance rates. Those rates can be reduced by comparing coverage under each employer plan or looking for a private family plan to fit their needs. Some companies have discounts on health insurance premiums specifically for married couples. In fact, most companies provide discounts when a policy has more than one person enrolled on it. There are also tax benefits to enrolling in group coverage. Also, marriage can be a great advantage for those with a preexisting condition. Group coverage does not require a person to be underwritten.

Health insurance premiums are often up to 30 percent lower for married couples. This is because spouses are more likely to be invested in the other spouse’s health. One is likely to encourage a spouse to make healthy food choices and exercise regularly. It is also probable that a spouse will encourage the other to visit the doctor for routine care and illness. If a couple combines insurance, the portion an employer has paid on a canceled policy may be eligible for reimbursement. One way couples may save is if they have no need for prenatal coverage. In other words, if they do not have children, do not plan to have children, and are doing everything in their power to avoid having children, they can ask to have that coverage removed. Removing prenatal care can help couples find affordable health insurance.

Combining health insurance is a good idea for newlyweds because they can avoid paying for duplicate coverage, lowering their health insurance rates. There is only one premium to pay each quarter or each year. It is important to examine each policy to see which has the most comprehensive coverage for the cost of the premium. In fact, many companies provide discounts for including more than one person on a policy. Starting in the summer of 2010, young couples in the United States may have even more of an advantage under the new government health care plan. Under the new plan, adult children can stay on their parents’ coverage until age 26, even if they have tied the knot.

Newlyweds and other married couples have a better chance of finding affordable health insurance. They can combine policies to receive discounts and to reduce insurance premiums to one payment rather than two. A person with a preexisting condition has no need for concern when joining a spouse’s plan. There may even be tax benefits for joining a group plan, since the deductions are taken before taxes, whereas an individual plan takes deductions after taxes.