How does marriage affect a couple’s health insurance coverage?

In Indiana, marriage affects a couple’s health insurance coverage in that it makes it easier for both spouses to gain coverage. Married couples in Indiana are eligible to be listed as “dependents” on their spouse’s health insurance plan. This means their spouse’s plan is able to cover them without needing to pay additional premiums or verify eligibility. Additionally, employers are often more likely to offer group health insurance coverage to married couples than to single individuals. In order for a married couple to be covered by their spouse’s health insurance plan, they must be legally married. Domestic partners, or couples who are simply living together, are not considered married and do not have access to spousal coverage. Marriage also allows couples in Indiana to take advantage of Family Medical Leave Act (FMLA) benefits. This act lets married couples take up to 12 weeks of unpaid leave from their job in order to care for or be with a family member who is ill. Finally, marriage can have an effect on the out-of-pocket expenses an individual can claim for medical purposes. Married couples are allowed to deduct their medical expenses as long as they are considered “jointly” and each spouse has medical insurance. If the couple is not married, they cannot claim any shared medical expenses on their taxes. In general, marriage in Indiana can be beneficial for a couple’s health insurance coverage as it can make it easier for both spouses to gain coverage, allow them to take advantage of certain benefits, and provide them with certain tax advantages.

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