HomeTrendingCan You Add A Fiance To Your Health Insurance

Can You Add A Fiance To Your Health Insurance

Insurance Through Your Employer

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Until recently, domestic partners had a tough time trying to convince an employer to let them add a loved one to their health insurance. This often wasnt even entirely the business fault. Health insurance plans were set up to allow only spouses and children. But an increasing number of corporations have begun allowing employees to add domestic partners, along with some state and city governments. Even in cases where domestic partners arent allowed on health plans, employers occasionally agree to add these parties to the business plan, as long as the employee is willing to pay the full amount of the premiums for the nonspouse.

Dont expect your employer to add your domestic partner without questions. Understandably, businesses and insurers want to make sure people arent simply adding roommates and friends. The Human Rights Campaign recommends employers request proof of the relationship that can include municipal domestic partnership registration, a state civil union license, a marriage license from another country or other proof. If employees are reluctant to secure government paperwork, the employer can create its own partnership affidavit for the worker to sign.

How Can I Add My Boyfriend To My Health Insurance

Similarly, Can you add a boyfriend or girlfriend to your insurance?

Yes, your girlfriend or boyfriend may be added to your auto insurance policy. If you and your significant other share an address, your vehicle insurance provider will usually consider them a part of your household and ask you to add your boyfriend or girlfriend to your policy.

Also, it is asked, Can you add an unmarried spouse to your health insurance?

Most insurance companies enable unmarried couples to combine their policies and get savings and other perks as a result.

Secondly, Can your girlfriend be on your health insurance?

Can I get health insurance for my girlfriend or boyfriend on the open market? To begin, the answer is yes if youre just asking whether you may buy a health insurance coverage for a girlfriend or boyfriend on the open market. In reality, you can buy an insurance coverage for almost anybody.

Also, Can I add my girlfriend to my work health insurance?

Because you and your girlfriend have no formal financial obligations, she cannot be added to most health insurance plans. If you reside in a state that allows common law marriage or domestic partnerships, this may be an exemption.

People also ask, Can I use my boyfriends insurance for pregnant?

Regrettably, the answer is very certainly no. Most insurance policies require you to be married to add a partner to your policy, while certainstates provide exceptions for common-law marriages.

Related Questions and Answers

Do You Both Have Coverage Through Your Employers

  • First, check whether your employer plans cover dependents.
  • If so, investigate how much your coverage is costing each of you and determine if youd save money if you were both covered under one of your plans.
  • If you want to keep seeing certain doctors, check each plans network.
  • Check if either employer has a spousal surcharge, which is a fee added to your monthly premium if you elect coverage for your spouse when your spouse is eligible for coverage from his or her own employer.

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Is My Employer Required To Offer Domestic Partner Health Insurance

No, your employer does not have to offer domestic partner health insurance. Even if it offers health insurance benefits to married spouses. The exception to this is in places where it is against the law not to.

In the past, employers who did offer domestic partner insurance benefits often did it for the sake of employees in same-sex relationships. After the U.S. Supreme Court legalized same-sex marriage across the country, some insurance companies and employers who previously offered it decided to cut domestic partner health insurance benefits. Large employers with more than 10,000 employees were the most likely to continue domestic partner benefits.

You can always ask your employer to add domestic partners to their group health insurance plan, however. Studies have shown that the costs of offering domestic partner health insurance are negligible for most employers.

Be Prepared To Prove Your Domestic Partnership

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In states that recognize a domestic partnership, qualifying for domestic partner health insurance comes down to meeting the stipulations outlined in the states definition of domestic partnership and providing adequate proof of adherence to said stipulations.


Many insurance providers will ask for documents to prove you and your partner legally live up to the title of domestic partners in lieu of a marriage license presented for spousal benefit plans.

The documentation necessary to become registered domestic partners could include:

  • A title, deed, or mortgage agreement documenting joining ownership of a vehicle or property to prove responsibility for living expenses.
  • Joint bank account, credit card, or loan information to prove shared financial responsibility in joint domestic life.
  • Drivers licenses or other identification for proof of living in a shared residence.
  • Documentation to prove designation as a primary beneficiary for life insurance, retirement benefits, or power of will or assignment of power of attorneys to prove the intention of longevity in the partnership.


In many cases, proof of domestic partnership comes in the form of an affidavit. Often, insurance companies will provide guidelines for what these affidavits require, which require confirmation of the same kinds of standards the US Office of Personnel Management outlines.

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Whats The Best Health Insurance Plan For Me

When choosing the best health insurance plan for you or your family, consider how much health care you plan to use, how much you want to spend, and whether you qualify for financial assistance. Independence Blue Cross offers a range of plans to fit your needs and budget. Learn more about how to shop our health insurance plans.

Why Should I Get A Health Plan From Independence Blue Cross

Independence Blue Cross is the leading health insurance organization in the Philadelphia region. For over 80 years, weve provided families with the security and stability that comes with a Blue Card the powerful assurance that high-quality care is at your fingertips. Weve been at the forefront of leading change that improves health, and today, more than ever, were recognized and trusted not just for the quality and security we provide, but also as an industry leader and innovator with the ideas, influence, and resources to change health care for the better.

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Can I Use My Boyfriends Insurance For Abortion

The simple answer is yes. No, your insurance will not cover any medical expenses incurred by your girlfriend, including abortion. The majority of insurance policies enable you to add dependents to your policy. However, since you and your girlfriend have no legal obligations, she is unlikely to be included in your plan.

Employers And Domestic Partner Benefits

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It used to be that couples had to be married to share an insurance plan. But many young adults ages 18 to 24 are more commonly living together without being married than living with a spouse. According to the U.S. Census Bureau, 15% of young adults ages 25 to 34 lived with a partner they weren’t married to in 2018, up from 12% in 2008.

Employers and insurance companies have evolved health benefits coverage over time as a result of these trends. Many offer coverage for domestic partners and provide it to more families.

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What Qualifies As A Domestic Partner

A domestic partner can be broadly defined as an unrelated and unmarried person who shares common living quarters with an employee and lives in a committed, intimate relationship that is not legally defined as marriage by the state in which the partners reside.

Are a boyfriend and girlfriend considered a household?

For the Health Insurance Marketplace®, a household usually includes the tax filer, their spouse if they have one, and their tax dependents.

Can I file head of household if my girlfriend lives with me?

While you may under certain circumstances be able to claim your girlfriend as a dependent, you will not be able to file as head of household simply because she lives with you.

What Does Situationship Mean

Less than a relationship, but more than a casual encounter or booty call, a situationship refers to a romantic relationship that is, and remains, undefined. “A situationship is that space between a committed relationship and something that is more than a friendship,” explains psychotherapist and author Jonathan Alpert.

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The Increase In Premiums After Adding A Girlfriend Or Boyfriend

If you are able to add your girlfriend or boyfriend to your policy due to getting married or having a common-law marriage, you should be prepared for your premiums to go up sharply. Just how much theyll go up depends on several different factors.

The most important of these factors is any pre-existing conditions they might have. However, age and gender also play a large part in determining health insurance premiums.

It is likely a good idea to have an agreement worked out with your girlfriend or boyfriend beforehand in which theyll pay for the increase in your monthly premiums after you add them to your policy.

Which States Recognize Domestic Partnerships

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Not only is there not a federal definition of domestic partnership, there isnt always consistent recognition within a state. Some states recognize domestic partnerships and maintain registries. While in other states, domestic partnerships are only recognized in certain cities and counties. What defines a domestic partnership under local laws can also differ. For example, in California, a legally registered domestic partnership is available to:

  • All same-sex couples who are at least 18 years old.
  • As well as opposite-sex couples in which at least one partner is 62 years of age or older.
  • This directory from the Human Rights Campaign is a helpful place to start, though the only way to confirm whether your locality recognizes domestic partnerships is to contact the local government department that issues marriage licenses. Make sure to also ask about what that recognition means in terms of your legal rights.

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    Can I Add My Wife To My Insurance After She Gives Birth

    Yes. One of the rare conditions that allows you to add dependents to your health plan outside of the usual open season is having a baby. You have 30 days following the birth of your kid to contact your employer and request that your spouse and child be added to your insurance plan.

    How Couples Who Both Work Can Choose Insurance And Other Employer Benefits

    If you and your partner are both employed, chances are youll each bring home different company benefit plans from which to choose. However, its likely that each company plan offers a different range of choices and features. So how do you pick which benefits to use?

    To start, youll want to gather all the information on each benefit and conduct a side-by-side comparison, ultimately selecting the best package or combination of packages offered. Here are some tips to consider when comparing plans for each type of benefit:

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    Do You Have Employer Coverage But Your Spouse Doesnt

    • If your employer covers dependents, you can enroll your spouse in your employer plan.
    • You can also consider individual and family plans for your spouse or even for your whole family. These plans are offered direct from organizations like Kaiser Permanente or through the states exchange marketplace, Washington Healthplanfinder. You might find a plan better suited to you both or one that costs less than your employer coverage.

    What Is A Domestic Partnership

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    Domestic Partnerships, as defined by the United States Office of Personnel Management, are committed relationships between two unmarried partners of the same or opposite sex with the following stipulations:

    • The partners are and intend to remain one anothers only domestic partner.
    • They live together in a shared residence.
    • The members of the partnership are both at least 18 years old.
    • The partners share financial responsibility.
    • Both partners are not married or a member of a joint civil union with anyone else.

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    If An Adult Child Is On A Parents Health Plan And Has A Baby Can The Baby Be Added To A Health Plan

    A handful of states mandate that grandchildren must be eligible dependents, according to the Council for Affordable Health Insurance.

    But youre more likely to find that the coverage isnt extended to the baby. Instead, the childs parent will have to get a plan for the child. Some options include a health insurance marketplace plan, Medicaid or Childrens Health Insurance Program plan.

    Medicaid and CHIP are federal/state programs that cover low-income people, including children. Check with your state about eligibility.

    Got A Question About Benefits And Insurance

    Send it to The answers on Ask Bud serve as basic guidelines and are for informational purposes only. Bud is a treasure trove of knowledge, but is unable to provide legal, tax, or fact-specific human resources advice. Once a question is submitted, Bud and Zenefits reserve the right to accept, reject, edit, modify, or otherwise change it. All content on the Zenefits website, including questions received and answers provided by Ask Bud, are Zenefits property.

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    What Is The Difference Between Domestic Partnership And Marriage

    Domestic partners can receive the same health insurance thats offered to married employees.

    Domestic partner health insurance is when an insurance contract extends the definition of spouse to recognize domestic partners, Burns says. As a result, the health insurance benefits may be extended to the unmarried partner and their children.

    Couples of the same sex, as well as those of the opposite sex, can share insurance under a domestic partner insurance coverage just as a married couple would, Burns says. The biggest benefit of this arrangement is a reduced insurance rate and the ability to be eligible for the employee benefits package, she adds.

    Companies and insurance plans operate differently when it comes to a domestic partnership vs. marriage. Burns suggests you ask questions.

    Ask your benefits plan administrator to find out the specifics and make your formal request so that your partner may be added as soon as possible, she says. Most employer health plans will allow the addition of a domestic partner if the plan includes this kind of coverage.

    Burns suggests contacting your HR person or the insurance company directly and asking if you can insure your domestic partner on your employee health insurance plan. If the answer is yes, find out what steps you need to take to get started.

    If your employers health insurance plan does not provide domestic partner insurance, you can check with a private company, Burns says.

    How Can I Get A Health Insurance Quote

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    Health insurance quotes for monthly premium rates will be provided when you apply for a health plan. You will have to enter the following information in order to receive your quote: Name, ZIP code, date of birth, gender, tobacco usage, and, if necessary, your relationship to the person seeking insurance. If you are seeking a quote outside of Open Enrollment, you will need to list the life event that qualifies you for a Special Enrollment Period.

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    Give Notice Of Divorce Within 30 Days

    If you change your marital status, youre required to give your health plan notice in a timely manner, Matthew Tassey, past chairman of the Life and Health Insurance Foundation for Education , says. Timely is usually within 30 days.

    Once your divorce is final, the ex-spouses coverage is likely terminated immediately.

    However, some plans will let you stay on until the end of the month following the date of the divorce, Tassey notes.

    Should You Enroll Individually

    Check to see if it costs less if each of you go on separate plans.

    Also, some couples may have no choice but to enroll in separate health insurance plans as the Affordable Care Act rolls out. The new health care law has new requirements that affect the cost of insurance coverage. Your employer will be able to help you with those changes.

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    What Is A Sponsored Dependent Child

    Sponsored Dependent means an individual not eligible as a family Dependent who is related to the Retiree by blood, marriage, or legal adoption and who is a member of the Retiree’s household and receives over half of his or her support from the Retiree or surviving Spouse in accordance with the United States Internal …

    How Do I Choose Domestic Partner Insurance

    How insurance premiums and deductibles work

    Choosing health insurance for you and your partner is like buying any other health policy. You should research your options, including premium costs, deductibles, and level of coverage. This is the case whether you’re buying private insurance, getting a plan through the Marketplace, or picking a plan offered through your job.

    You may want to look into buying private insurance if the health plans offered through your job don’t cover partners who aren’t married.

    Taking the time to research and review a health insurance policy will help you get the most out of your plan. Be sure to look up any terms you don’t understand. Call customer service or talk to your HR department if there’s anything you have questions about.

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