Can Unmarried Couples Be On The Same Health Insurance?

Are you and your partner in a committed relationship but not married? Have you been wondering if it’s possible for unmarried couples to be on the same health insurance plan? The good news is, yes, it is possible! With more and more couples choosing to delay or forgo marriage altogether, insurance companies are adapting to meet the needs of their customers.

In this blog post, we’ll explore how unmarried couples can obtain health insurance together and provide some tips for finding affordable coverage. So sit back, relax, and let’s dive into the world of health insurance for unmarried couples!

How do unmarried couples get health insurance?

When it comes to obtaining health insurance as an unmarried couple, there are a few options available. Firstly, check with your employer if they offer domestic partner benefits. Some companies extend their health insurance coverage to unmarried partners of employees.

If you’re not able to get coverage through your employer, another option is to buy a private plan together. This can be done on the Health Insurance Marketplace or through a broker. Keep in mind that the cost of premiums may vary depending on each person’s age and medical history.

Another route is to consider joining a healthcare sharing ministry. These organizations operate similarly to traditional health insurance but often have lower monthly costs and fewer restrictions on doctors and hospitals.

Some states have enacted laws allowing for domestic partnerships or civil unions which provide access to spousal benefits such as health insurance coverage. Check with your state government website for more information about these laws.

While navigating the world of health insurance as an unmarried couple can seem daunting at first, there are several viable options available.

What are some tips for finding affordable health insurance for unmarried couples?

When it comes to finding affordable health insurance for unmarried couples, there are some tips that can help make the process easier.

Firstly, consider shopping around and comparing different plans. There are many online resources and tools available that allow you to compare prices and coverage options from various providers.

Additionally, look into joining a group plan through an employer or professional organization. This can often provide more comprehensive coverage at a lower cost than individual plans.

Another option is to consider a high-deductible health plan (HDHP) paired with a Health Savings Account (HSA). This can be a good choice for those who don’t anticipate needing frequent medical care as it typically offers lower monthly premiums.

It’s also important to review your healthcare needs together as a couple. Determine what type of coverage you need and how much you’re willing/able to spend on premiums versus out-of-pocket costs.

By utilizing these tips and doing some research, unmarried couples can find affordable health insurance options that meet their unique needs.


Unmarried couples can be on the same health insurance policy if they meet certain criteria. It is important to research and compare different options to find affordable coverage that meets both partners’ needs. Some tips for finding affordable health insurance include utilizing employer-sponsored plans, exploring government programs, and shopping around with multiple providers.

It’s also important to have open communication with your partner about healthcare needs and expectations before selecting a plan together. By taking these steps, unmarried couples can ensure they are covered and prepared for any unexpected medical expenses that may arise in the future.