Domestic Partners and the Affordable Care Act
If you're a registered domestic partner or have entered into a civil union, how you apply for coverage under the Affordable Care Act (Obamacare) depends on your state’s law.
Domestic Partners and Obamacareby Shae Irving
If you're a registered domestic partner or have entered into a civil union, you may not be sure how to apply for coverage in the new health insurance marketplace. Should you apply based on your separate income, or include all the income you and your partner make?
The answer depends on which state you live in.
California, Nevada, or Washington. In these states, domestic partners must usually apply using half of the partners’ combined incomes. This is because IRS rules require that domestic partners registered in these community property states report half of their combined community income on their federal taxes each year.
All other states. If you apply for insurance via the state’s health insurance exchange, include only your own separate income. It works this way because domestic partners are not considered married for federal tax purposes. (If you registered and got legally married later, you must apply as a married person and report your combined income.)
For details, select your state, below.
You may also be interested in:
Essential facts about the Affordable Care Act (ACA or Obamacare) in your state, including whether you must get health insurance, how much it will cost, and how you can save money.
Where to go in your state to get health plans under the Affordable Care Act (Obamacare) and how to get help with the application process.
Learn whether you must have health coverage under the Affordable Care Act (Obamacare) in your state.