Equal Health Coverage for Same-Sex and Opposite-Sex Spouses

Protection Against Discrimination If an insurance company provides health coverage to opposite-sex spouses, it is required to extend the same coverage to same-sex spouses. This rule applies universally, regardless of where the couple resides, where the insurance company is based, or where the insurance plan is issued, renewed, or in effect. As long as the marriage is legally recognized in a jurisdiction authorized to do so, discrimination based on the gender of the spouses is prohibited.

Equal Treatment in Cost Savings The Health Insurance Marketplace treats married same-sex couples equally to married opposite-sex couples regarding eligibility for premium tax credits and reduced out-of-pocket costs. This equal treatment is consistent across all states.

Generally, to qualify for premium tax credits and other savings on Marketplace plans, married couples must file a joint federal tax return. When applying for coverage in the Marketplace, you’ll need to indicate whether you’re married and whether you plan to file jointly. Make sure to accurately report your household composition and estimated income to maximize your potential savings.