The rules on this will vary by state and might also vary by employer. Some states, like Texas, are “common law” states, so a couple can declare themselves married and will be viewed as such under the law. Other states may not recognize common law marriage. Similarly, some states/carriers might…
Domestic Partners
Before same-sex marriage was legalized, many employees covered their significant others as “domestic partners” on their health plans. But employees can still cover domestic partners (a long-term boyfriend or girlefriend who lives with them and shares financial responsibilities) on some health plans. Coverage for domestic partners involves understanding the specific definitions and requirements set by insurers and state laws.