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Newlyweds, the Clock Is Ticking

Don’t miss your 30-day window to choose benefits

Once the "I dos" are done, your next big step should be heading out the door for your honeymoon. Not choosing your benefits.

You and your sweetie get only 30 days after your wedding to choose benefits. So plan ahead. You don't want insurance worries interrupting your first weeks of marital bliss.

The countdown begins

Thanks to the Health Insurance Portability and Accountability Act (HIPAA)Health Insurance Portability and Accountability Act (HIPAA)
HIPAA is a federal law enacted in 1996, designed to improve availability, p... more
, newlyweds can rethink their benefits. Within 30 days after your wedding, you can make changes. You can enroll in your spouse's plan. Or vice versa.

This special enrollment period lets you shop around. You can compare plans and decide what works best for both of you. If you don’t have benefits, the choice is easy: Enroll in your spouse’s plan. 

This 30-day period applies to children, too. They can switch plans or be added to a different plan.

As your wedding day gets closer, check in with your job for details. Most businesses want written requests. Some may extend the 30-day period. Your employer should be able to walk you through the process.

To help you get started, read more about picking the right plan.

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Missed the 30 days?

Thank goodness for second chances. Or in this case, open enrollmentopen enrollment
A time, often in the fall, when employees choose their health plans for the following year. You typi... more
. If you missed the 30-day-window, open enrollmentopen enrollment
A time, often in the fall, when employees choose their health plans for the following year. You typi... more
is your next chance to get coverage. It usually takes place yearly from October through December. For the exact time, just ask your employer.

Don’t miss your window of opportunity. Start thinking about your benefits before the big day.

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