Can Someone Have Two Health Insurance Policies? 
Technically , yes , you could . Though it would serve little practical purpose and be a really expensive proposition in this day and age . When you enroll in a health insurance plan there will always be a question asking if you will have other coverage in effect along with the policy you are applying for . This is so the two insurance carriers can coordinate their benefits among each other . In no case will your coverage with the combined insurance policies exceed 100 % of your covered expenses and it is illegal to make a profit off of having health insurance coverage . So , you would pay two full premiums for two separate major medical policies but , at best the secondary policy would only pay what was n't paid for by the primary policy . While I have n't seen or heard of it being tried , I would expect that a person enrolling for coverage through HealthCare.gov , especially a person who qualifies for a premium tax subsidy , would not be allowed to enroll in more than one plan by the way the computerized enrollment system is set up . 