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Health care coverage options for same-sex couples

An insurance company that offers health coverage to opposite-sex spouses must do the same for same-sex spouses.

Protections against discrimination

As long as a couple is married in a jurisdiction with legal authority to authorize the marriage, an insurance company canโ€™t discriminate against them when offering coverage. This means that it must offer to same-sex spouses the same coverage it offers to opposite-sex spouses.
This is true regardless of the state where:
  • The couple lives
  • The insurance company is located
  • The plan is sold, issued, renewed, or in effect

Married same-sex couples and lower costs

The Marketplace also treats married same-sex couples the same as married opposite-sex couples when they apply for premium tax credits and lower out-of-pocket costs on private insurance plans. This is true in all states.
In most cases, a married couple has to file a joint federal tax return to be eligible for a premium tax credits and other savings on a Marketplace plans. Get details on who to include in your household and estimating your expected income.
When you apply for coverage in the Marketplace, youโ€™ll be asked if youโ€™re married. If you and your spouse plan to file a joint federal tax return, select โ€œyes.โ€