Husband and I are residents of different state, and healthcare is looking too expensive for separate plans. Feeling stuck.

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Husband is a resident of Texas, and I am a resident of Colorado. We got married in October of 2019, and due to complications with COVID, we are both still technically residents of two different states. We were long-distance when we got married, but he intended to move up to Colorado in the following months. Obviously, due to COVID and us losing both of our jobs, that did not happen. I moved back home to our hometown in Texas in May and we live with my parents now. We’re planning to move back to Colorado in January.

We are both uninsured and would like to enroll in an plan, but we’re sort of getting fucked over (we think). Basically, because we’re married, it seems that we have to state our total household income when applying for two different plans – one for Texas, one for Colorado. This is making it so our plans are individually super expensive and we cannot afford to have plans separately. My husband’s health is taking a turn for the worse, and we really need to enroll this year. Should I just forgo enrolling and be without insurance? I would really not like that.

Is there….any way around this? Obviously when my husband moves to CO he’ll be qualified for a special enrollment period, so then could he theoretically be put on my plan when he moves up? Just totally not sure what to do.

submitted by /u/galadrielisbae
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Husband is a resident of Texas, and I am a resident of Colorado. We got married in October of 2019, and due to complications with COVID, we are both still technically residents of two different states. We were long-distance when we got married, but he intended to move up to Colorado in the following months. Obviously, due to COVID and us losing both of our jobs, that did not happen. I moved back home to our hometown in Texas in May and we live with my parents now. We’re planning to move back to Colorado in January. We are both uninsured and would like to enroll in an plan, but we’re sort of getting fucked over (we think). Basically, because we’re married, it seems that we have to state our total household income when applying for two different plans – one for Texas, one for Colorado. This is making it so our plans are individually super expensive and we cannot afford to have plans separately. My husband’s health is taking a turn for the worse, and we really need to enroll this year. Should I just forgo enrolling and be without insurance? I would really not like that. Is there….any way around this? Obviously when my husband moves to CO he’ll be qualified for a special enrollment period, so then could he theoretically be put on my plan when he moves up? Just totally not sure what to do.
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