Can unmarried couples be covered UNDER SAME HEALTH PLAN?

The answer generally depends on the regulations of the state the plan originates in. Please note that I did not say the state the couple lives in.

The Dept of Insurance rules of the state generally dictate the domestic partners qualifications for unmarried couples. But those rules only impact plans that originate within that state. So if the couple lives in CA and are seeking a plan from CA then it is likely they can be covered under the same health plan. Insurers are allowed to require that specific conditions are met within the sate guidelines.

However, if one of the two people works for a company headquartered in another state that does not extend domestic partners coverage and that is where the plan originates, then the CA laws have no jurisdiction. The unmarried partner would be denied coverage. The fact that they live in CA and the company has an office in CA has no bearing.

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