How attached are you to your wedding date?

Me personally I would stick to your original wedding date. Especially since by now your have invested some much money and time into. But that’s just my personal opinion.

View Quoted Comment We would still have the big celebration that day. We definitely can’t get any of our money back lol. All we would do now is the legal part

View Quoted Comment Ah!! Gotcha now!! I know some couples who got married on one date then had a wedding reception a few months later when they could afford it.

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Yeah -- I'm sure it's not as big of a deal as I'm making it but I'm just kinda torn. I love our original date. Just before Halloween and it's on my grandparents' anniversary. But, logically it makes a lot of sense to get the ball rolling on insurance.

View Quoted Comment My sister did that because her hubby was being deployed. When he came back they had their wedding reception. Of course she jokes
with her hubby, that they have two wedding anniversaries!!

If you need the insurance benefits, I would have the legal ceremony now and the vow renewal on your original date. It's still going to be a special celebration of your love, but the date may seem less significant to you later on since really, it's a party, not your anniversary. I would also be honest with your guests about the fact that they are attending a vow renewal, not a wedding.

We are getting married on my birthday ! 😁😁😁

I wasn't attached to my date. I have never celebrated an anniversary in any relationship. I'm likely not going to start now even with our wedding anniversary. Do what works best for your growing family. For instance, with my insurance, it would cost about 500 dollars to have a baby, with my husband's it would be over 2000. It's a no brainer there.

View Quoted Comment Aw so cute! We got married on my husband's birthday! Congrats!

I’m also October 26th and we’re almost there girl!! Whatever you do you should still keep the reception. If you need the benefits, you could always get married earlier but keep it a secret to everyone if you’re worried about it feeling less special or getting judged. Plus its so close, even if you do get married earlier its still a party to celebrate you two just getting married and a little one on the way!

Thank you!! I am so excited lol

I wasn't attached to mine at all. We chose it based on what was the best for his work schedule

Are you currently on insurance through your employer? When you say significantly better, do you just mean the co-pays, deductibles, and premiums? If you are not currently in an open enrollment period at your employer you may be stuck with your insurance as primary until the next open enrollment, regardless of you husband's insurance. That would certainly help with those copays as well as the doctors that are or are not participating, but would not help with what is and is not covered. It is worth really reviewing all options and see what works best for you.

I would just wait! It’s only 51 days, you can go on his insurance then! If I were you though I’d actually call the insurance company and see if maybe they can let you on his plan a bit early since you’re close to the wedding and also carrying his child so he may be able to claim you as a dependent? I’m not sure at all if that would work but I know some auto insurance companies actually let you merge insurance if you’re within 6 months of your wedding. No clue if it’ll work like that for health insurance but it’s worth looking into.

congrats on the baby too! And the wedding!

It may feel less special. But compared to the benefits of having his insurance, it seems to me that having one day "less special" is worth it.

FH and I are extremely attached to our date. We are getting married on 11. 11. 2020. Not only is 1111 a very lucky number ( and yes, we are those people that make a wish every day at 11:11 haha),
But it was also our very first ever date! We even have 11s tattooed on our wrists. We already celebrate our anniversary on 11-11 every year, so this will also prevent us from having to make the decision of which anniversary date to celebrate, or do we celebrate them both. It will just be business as usual LOL
However, with a baby on the way, your situation is much different! I would say your pregnancy and getting on your FH’s insurance is much more important. And although you may not have the same feelings on your October wedding day since the two of you will already be married, that doesn’t mean you won’t be excited in different ways! And, if you find it is really important for you to preserve that special feeling for your October wedding, then I don’t think there would be any issue in waiting to get married on that day. After all, it is only a month and a half away! Would you really be using his insurance in the next month & a half enough to make it worth sacrificing your special day? I think those are the options you should weigh. There’s certainly no right or wrong answer here, since you already have healthcare coverage at your current job anyway, it is not like you’re sacrificing the well-being of you or your unborn child. A wedding is a one time event-you can’t do it over. If you want to have that special feeling on that day, don’t feel guilty about it! Good luck girl!!

It's only 51 days - I would just wait til your original wedding date.

Have you looked into domestic partnership and if you could get onto his insurance with that? My FH and I became domestic partners a couple of years ago so that I could get onto his insurance since it's cheaper. I think once we're married it will be even better, but this could be a good intermediate solution so that your wedding is still officially your wedding.

I would get legally married and not tell anyone but your employer and FH's employer. It's a fun little secret for you two and its a great decision for your future and your babies future (health insurance).

Little update: my employer actually sent out an email Friday that they’re completely changing our health insurance effective October 1...deductibles, copays all going up and coverage is even worse. So they forced our hand. We’re getting legally married today and we’re only telling my parents and our HR folks. Going to do just the parts of the ceremony that are required to be legally binding. Still gonna have our wedding in October and we’re going to celebrate that as our anniversary. Nobody needs to know, in our opinion.