Question: What are the benefits of health insurance coverage for same-sex partners?
Answer: Clearly, there's a symbolic benefit for many same-sex couples when they're able to purchase or enroll in a single family health insurance plan. There are more practical benefits as well. For example, they will now pay only one monthly premium for health insurance coverage, and, in states where same-sex marriage is legal, they will be able to discuss some of their spouse's billing issues with the insurance company (personal health issues are still protected by the HIPAA law). Same-sex couples could also potentially save on deductibles. Having a single deductible for the whole family may save you money when compared to paying two separate deductibles, especially when there are dependent children covered under the same plan. Also, as with married heterosexual partners, the older partner may enjoy more affordable coverage because rates for a family policy are based on the younger spouse's age.
Question: Are there any reasons why a same-sex couple may opt NOT to purchase health insurance together?
Answer: Yes. As with heterosexual couples, premiums for family coverage may in some cases be more expensive than premiums for two individual health insurance plans, and one partner's health and coverage needs may differ significantly from the other's. Same-sex couples who are interested in purchasing coverage should do the math and consider all options before applying for coverage.
Additional Consumer Resources:
•Follow eHealthInsurance's consumer blog, Get Smart - Get Covered •Browse our answers to real-life consumer health insurance questions on Yahoo Answers
Follow eHealthInsurance on Facebook and Twitter
eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, America's first and largest private health insurance exchange where individuals, families and small businesses can compare health insurance products from leading insurers side by side and purchase and enroll in coverage online. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 200 of the nation's leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia. eHealth, Inc. also provides powerful online and pharmacy-based tools to help seniors navigate Medicare health insurance options, choose the right plan and enroll in select plans online through its wholly-owned subsidiary, PlanPrescriber.com (www.planprescriber.com) and through its Medicare website eHealthMedicare.com (www.eHealthMedicare.com).
For more health insurance news and information, visit the eHealthInsurance consumer blog: Get Smart - Get Covered.
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