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| Coverage Detail | Merged PlanRECOMMENDED | Stacked Plans | Marketplace |
|---|---|---|---|
| Monthly Premium | $487 / mo↓ best | $612 / mo | $534 / mo |
| Combined Deductible | $1,500↓ best | $3,000 | $2,250 |
| Copay (Primary Care) | $20↓ best | $35 | $30 |
| Annual Max Out-of-Pocket | $4,500↓ best | $7,200 | $6,000 |
| Prescription Tier 3 | $45 | $60 | $55 |
| Maternity Coverage | $0 OOP | $2,100 OOP | $1,800 OOP |
| Mental Health Parity | Full | Partial | Full |
3 more coverage rows hidden — including maternity & Rx tiers Complete the 4-minute comparison to unlock your full personalized breakdown. | |||
Couples like you saved an average of $2,100 per year by merging onto one employer plan — but only after comparing all three paths.
The data argues for itself.
Every scroll reveals a hidden cost or redundancy most newlyweds discover too late.
The Maternity Gap Nobody Mentions
Staying on separate plans means two separate deductibles when you deliver. We've seen couples pay $4,200 more than they needed to because no one told them to merge before the first trimester.
60-Day Window
Marriage is a Qualifying Life Event. You have exactly 60 days to make changes outside open enrollment.
Spousal Surcharges
Many employer plans charge $50–$150/mo extra if your spouse has access to their own employer coverage. We check this first.
Network Overlap
Merging means sharing one network. We map your current doctors against every plan option before recommending.
Freelance Coverage Gap
One employer plan + one marketplace plan often creates premium redundancy. We find the cleanest path to zero gaps.
Mental Health Parity Is Not Guaranteed
Federal law requires it, but enforcement is inconsistent. Employer plans vary widely on out-of-network therapy coverage. If either of you sees a therapist, this row alone is worth the comparison.
See how these gaps apply to your specific situation.
Takes 4 minutes. Free. No obligation.
Find your archetype.
Every couple's situation is different. Here's what we found for couples who looked like you.
"We both had employer plans and assumed stacking was fine. Vow found a $2,340 annual difference we never would have caught on our own."
Marcus & Priya Chen
Austin, TX · January 2026
"I was aging off my parents' plan the same month we got married. We had no idea the 60-day window was already running. Vow got us sorted in one call."
Jordan & Kayla Osei
Chicago, IL · February 2026
"I'm a freelancer, Daniel has corporate coverage. We were paying for two marketplace plans by accident. Vow fixed it and we saved $190 a month."
Sofia & Daniel Reyes
Brooklyn, NY · December 2025
"Neither of us had employer coverage. We thought marketplace was our only option. Vow showed us a merged ACA plan that cut our premium by 31%."
Alex & Morgan Tanaka
Seattle, WA · March 2026
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