Due to the Supreme Court ruling legalizing same-sex marriage nationwide in 2015, same-sex married couples qualify for the same benefits under the Affordable Care Act (ACA) as heterosexual couples in all 50 states. But despite that fact, many same-sex partners remain uninsured. Why? Most Americans get their health insurance through an employer-sponsored plan, and if your employer is self-insured (e.g., self-funded), they are not required to provide same-sex couple benefits.
This depends mainly on your state and whether it offers an LGBTQIA employment nondiscrimination law. This is despite a June 2020 Supreme Court ruling that people in all states can seek recourse for employment discrimination based on sexual orientation and gender identity through the federal Equal Employment Opportunity Commission (EEOC) and federal courts. You can view current LGBTQIA laws in your state via Movement Advancement Project.
The Kaiser Family Foundation studied the topic and found that after the June 2020 Supreme Court ruling, about 74 percent of firms offering health insurance coverage to opposite-sex spouses also provided coverage to same-sex spouses, a substantial increase from 43 percent in 2016.
But that still leaves room for many same-sex partners to be excluded unless they utilize ACA Marketplace insurance, such as through TrueCoverage.
Uninsured? You likely qualify for cheap and often even FREE health insurance through the Affordable Care Act (ACA)! During the Special Enrollment Period (SEP), TrueCoverage can connect you with quality ACA health insurance if you have had a qualifying life-changing event recently, such as losing your health insurance, moving, getting married, having a baby, and more.
Or, if you are approaching 65 years of age, TrueCoverage can also connect you with Medicare Advantage plans or supplemental policies!