Health Insurance for Unmarried Partners

2005-08-01 01:08

Generally, and unfortunately, if an employer offers health insurance coverage to the spouses of employees, it usually doesn't extend the coverage to unmarried partners too. Under the Employee Retirement Income Security Act (ERISA), employers are not required to offer health insurance to any employees, spouses, or "domestic partners" (this term is often used to include same sex couples and unmarried opposite-sex couples, as well as common law marriages). ERISA also does not compel employers that provide health insurance for employees and legal dependents to extend coverage to domestic partners.

Nevertheless, thousands of employers across the country have begun offering domestic partner health insurance benefits in the last several years, and the number continues to grow. Employment experts predict that this trend will continue, as small companies start to follow the lead of large employers that have introduced domestic partner benefit plans in recent months.

In addition, some state and local laws have recently been passed in favor of domestic partner rights. San Francisco, Los Angeles, and Seattle have ordinances requiring all businesses with municipal contracts to offer same-sex benefits if they offer benefits for married couples. Vermont recently enacted the country's first "civil union" law, which grants same-sex couples nearly all of the benefits to which the state's married couples are entitled. Provisions regarding health insurance are still being written, and it is not yet known what they will entail.


Share on Facebook submit to reddit Share on Google+
Subscribe to EmaxHealth on YouTube


We are trying to talk our employer into including insurance for unmarried partners he asked what advantages would there be for the company?
Now a new reported says that the health insurance reform penalizes married people, particularly women. The Affordable Care Act basically penalizes married couples by making it tougher for them to get health insurance subsidies. The 22-page report from House Oversight Committee Chairman Darrell Issa (R-Calif.) concludes that married couples will get only 14 percent of the law’s tax credits, even as more than 7 million mostly single people cease paying income taxes altogether.