Congratulations, StephenO!
From a tax perspective, if you want to file a joint return with your new wife, you will need to apply for an Individual Taxpayer Identification Number (ITIN) for your wife. You can do this by completing and filing Form W7 with Internal Revenue Service. Here is a link to that form: www.irs.gov/pub/irs-pdf/fw7.pdf
And the instructions for Form W7: www.irs.gov/pub/irs-pdf/iw7.pdf
It is outside the scope of my tax expertise to address the insurance question. I recommend you contact your insurance company for that information.
I hope this is helpful!
Regards,
Elizabeth W., EA
