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I’m a full time student, and still living at home so I’m currently still covered by my mom’s insurance, but if I were to get married, could my husband somehow be included in our policy and receive the same coverage?

6 Thoughts on I’m covered under my mom’s health insurance plan, can my spouse be covered too?
  1. Reply
    educated guess
    September 22, 2012 at 1:49 pm

    No, it is dependant children only-full time students and some even “expire” when the dependant child turns 21. Check you policy to be sure. They are all different.

  2. Reply
    September 22, 2012 at 2:04 pm

    No. Insurance policies are for dependents and your husband would not be your mothers dependent.

  3. Reply
    Lori S
    September 22, 2012 at 2:34 pm

    No he could not be covered. And, you would no longer be considered a dependent, so you would lose the coverage as well.

  4. Reply
    September 22, 2012 at 3:28 pm

    If you were married, you would no longer be eligible to remain as a dependent on a parent’s insurance plan.

    So, to answer your question, no…your husband would not be eligible for the policy, and you would also lose your coverage.

    P.S. If you’re already married and haven’t told your mom’s employer, then you’re committing insurance fraud. Your mom could be liable for paying back all of your medical expenses, and her employer would have grounds to fire her if they chose to do so.

  5. Reply
    KG Mom
    September 22, 2012 at 4:28 pm

    No and when you get married, you will get dropped, too.

  6. Reply
    George S
    September 22, 2012 at 5:13 pm

    If you are in college, you may want to check out health insurance programs that are written through your school. United Healthcare has a plan available at many US schools. These student injury and illness plans provide wide ranging coverage and are designed to be affordable for college students. To check if your school is participating, go to and enter your school name in the search box. You might also be interested in joining the American College Student Association (ACSA), a national organization for college students. They have lots of member benefits, including student health insurance. Their membership fee is affordable .

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