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Health Insurance In An Unmarried Relationship

Thanks to the gay rights movement andFor example, it's possible that the
the increase of both unmarriedless-expensive HMO may raise objections,
heterosexual and homosexual coupleswhile the more expensive Preferred
living together throughout Texas and theProvider Organization (PPO) or the
United States, the workplace trendtraditional indemnity plan may not. If
toward domestic-partner benefits isyou have questions about your plan, talk
improving the lives of many committedto your human resources department or
couples, regardless of sexualcall the insurer directly.
orientation or marital status.Share the power
As of March 1, 2006, only 49 percent ofIf you're the partner holding the
the Fortune 500, 78 percent of thepolicy, it doesn't necessarily mean you
Fortune 100 largest corporations, and acan make any health care decisions for
small percentage other, smalleryour significant other if or when he/she
businesses, organizations andis unable to make them. Married couples
educational and government entitieshave much broader rights. A healthcare
offered health benefits to employees'power of attorney can overcome what
domestic partners, according to a recentcould be a big issue in an emergency. It
study by the Human Rights Campaignhas nothing to do with money. It simply
Foundation.allows the person you designate - in
And while it's true that the number ofthis case, your partner - to make
companies involved is relatively small,medical decisions on your behalf if you
there are some very large employers,are unable. It also can ensure that if
such as the Big Three automakers, whoyou become ill, your partner will be
have jumped on the bandwagon. The numberable to visit while you're in the
of individuals affected also is limited,hospital. The document, which should be
but the unmarried couple-count is on theprepared by an attorney, can also
rise and many unmarried householdsspecify the names of physicians and
include children who could be importantlimit the use of life-extending
beneficiaries of domestic-partner healthprocedures. But it doesn't have to be
insurance.that complicated. Keep the completed
If your employer or your partner'sdocument someplace, other than a safety
employer offers domestic partnerdeposit box, so it is accessible when
benefits, here are some things toyou need it most.
consider before you sign up:It's Over and You're Moving On.
Follow the RulesMost employer-sponsored group policies
Most companies require that yourrequire that you inform the company
significant other be 18 or older, notimmediately if your living situation
related to you by blood or married tochanges. A recent federal court decision
someone else. You and your partner mustleft open the possibility that COBRA
live in the same permanent residence incould cover domestic partners. COBRA is
an exclusive, emotionally committed,the Consolidated Omnibus Budget
financially responsible relationship,Reconciliation Act - federal legislation
similar to marriage. You may be requiredthat requires many businesses to keep
to show you share a lease or a mortgage,former employees and their dependents on
an insurance policy, utility bills, athe group health plan for a limited
joint checking account, etc.period. COBRA regulations allow a
The Taxing Situationdivorcing spouse to keep the estranged
While the IRS allows the cost of healthspouse's insurance for up to 18 months.
benefits for married spouses andThe federal court decision said this
dependents to be tax deductible, itdidn't specifically exclude domestic
hasn't yet given the same rights topartners. But the likelihood an
unmarried couples. So the amount ofunmarried partner will be able to claim
money that your employer pays for healthCOBRA is slim. That means that the
insurance for an unmarried partner andpartner could be left without his or her
any children will be included as taxableown insurance with little or no notice.
income on your W-2.With only 49 percent of Fortune 500
Insurers May Not Agreecompanies and an even smaller percentage
While your company may be willing to payof small businesses offering health
for these benefits, not all healthbenefits to employees' domestic
insurance companies whose plans arepartners, this still leaves a large
available to an employee may agree. Somemajority of unmarried couples with
insurers are concerned that domesticpossibly one individual in the
partner benefits will drive up costs.relationship uninsured.



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