Dating S.O.S

There is insurance for everything you can imagine: life insurance, car insurance, courier insurance, disability insurance, and of course health insurance.

As cold-hearted as it may sound, marriage is often a way to make sure you have health coverage. Sometimes people prefer to stay in a common-law relationship, but face having to get married instead because they may otherwise not get the same health coverage. By marrying an individual who has health insurance through his or her employer, the new spouse can typically be covered by that health insurance, as well. Even though it’s usually considered insurance fraud, which makes it illegal, many people enter into marriage just to have health insurance. This is similar to the concept of people marrying just for the purpose of receiving a work permit or citizenship. Many people also attempt to hang on to, or work through, a failing marriage for the sole purpose of hanging onto the health insurance they receive from their spouse’s employer.

The alternative is simple: You can purchase an individual health insurance policy of your own. Sure, individual health insurance policy rates are usually more expensive than the group insurance policy rates paid by employees who buy into their employer’s health insurance package. Being single is plain expensive, even with insurance policies. However, doesn’t it give you more peace of mind to be in control over your own health care and future, instead of depending on an unhappy marriage? And, on that note, aren’t you paying for the health insurance anyway, by compromising your happiness and staying in a failing marriage just for your spouse’s health insurance policy?

You can shop around for an individual health insurance policy that is going to meet both your health and your financial needs. It may take time, but there are many health insurance companies out there that offer individual health insurance policies. Most companies offer free quotes, and there are enough insurance comparison sites that can give you quotes from a variety of insurance companies at once. Look into several health insurance companies, talk to several health insurance agents, and you will find one that will work for you. You don’t have to rely on marriage for adequate health insurance.