Not long ago, unmarried couples faced numerous obstacles when applying for many types of domestic-partner insurance coverage. It was a similar story for married same-sex couples living in states not recognizing their unions.
Those who yielded to the temptation to simply check the “married” box on their insurance applications risked having their benefits denied due to fraud. But insurance is fast catching up with the times.
Thanks to the Supreme Court’s landmark 2013 decision that gave federal recognition to same-sex marriages, and to President Barack Obama’s signature Affordable Care Act health reforms, access to insurance has never been better for those in nontraditional unions.
That said, state and local laws often trump federal statutes when it comes to domestic partnerships and gay marriages, resulting in a nationwide patchwork of viable insurance options.
Let’s survey the challenges that remain for unmarried couples and same-sex spouses seeking life, home, health, auto and renters insurance together.