Is It Illegal To Have Two Health Insurance Policies? 
Yes , a person can have two different health insurance companies . Is it worth it ? Not usually . You may seedouble coverage options when a husband and wife have each other covered through an employersponsored plan . You do not get to choose which one is primary . There are built in conditions to every policy , that says which is primary . AND , coverages do not STACK , they `` coordinate '' . Buying a BETTER plan with higher limits , lower deductibles , etc , is going to cost MORE . You ca n't buy one plan with a $ 1,000 limit for $ 50 a month , buy a second plan with $ 1,000 limit for $ 50 a month , and end up with $ 2,000 of coverage total . You still only have $ 1,000 of coverage total . 