Has anyone been added to fiance's insurance before wedding?

Typically, unmarried couples cannot get employer-paid health insurance coverage for their partner. Definitely have your FH check with his employer though. In the meantime, I would consider and look into paying out of pocket for an insurance plan until you're married; then it will be considered a "life event", and you will be able to jump on his insurance at any point in the year thereafter.

Like Mrs. H said, it would really depend on your FH's employer. Usually only spouses/children have access to coverage.

You’ll have to be legally married to get on his insurance. You can probably get insurance through your school

The above isn't necessarily correct. I got on my husbands insurance after we'd been living together 2 years. That was the definition of "domestic partner" for our state/his employer. We didn't get married until 4 years later. I'd def have him ask his HR department what the qualifications for domestic partnership are.

My job has domestic partnership benefits so I have my FH on my insurance before the wedding. We just had to be together longer than 6 months, be living together or have a vehicle or bank account together. There are other things (like a more significant life insurance policy) he can get once we actually get married but he at least has medical, dental, and a small life insurance policy until then. It will really all just depend on his employer. Keep in mind though most places you can't make changes at random times-only during life events (like marriage) or during open enrollment which for most places was in October so you may be stuck waiting.

Check with your state. For me (NJ), we would have had to fill out a bunch of paperwork and go through a whole process to be legally seen as domestic partners. We thought about getting legally married earlier than the wedding, but we really wanted our ceremony in front of family and friends to be our actual ceremony. I ended up just not having insurance for a year because I had left my job to go back to school full time for my doctorate. Insurance through the marketplace was wayyyy to expensive and I just missed the income cutoff for Medicaid. As soon as we were married, my husband added me onto his insurance and it was retroactive to the date we got married.

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Her getting kicked off her other insurance could count as a life changing event though... i think.

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Probably just depends on the HR requirements. That wasn't considered a life event for my job. Only birth, death, marriage, divorce, or adoption.

I've never heard of adding an unmarried partner to health insurance but the only way to find out would be to call his health insurance & ask.

I was about to but decided to just get my own. I'm also being kicked off my parents insurance this month.

We happen to work for the same company but that didn't affect it.

Our insurance through work happens to allow domestic partnerships be on the same insurance and we've lived together for 6 years plus our paychecks are addressed to the same address. If the insurance allows domestic partnerships and you live together for the allotted amount of time, you shouldn't have a problem.

I was added to my fiancé’s insurance under a domestic partnership, we live in California. We had to prove that we were together for at least 6 months and we’re on a joint lease and had either a joint bank account or a joint car ownership.

Were*. Stupid autocorrect. I think it is state and employer specific.

I'm also on FH's insurance as domestic partners. We live in NY. It's probably a company/state regulation so look into it.

Like PPs have said, it depends on your state and his employer.

Some states allow any couple to register for a domestic partnership; some (like CA, where I live) only allow same-sex and/or senior couples to register; some states don’t have domestic partnership as a recognized designation; some states have common-law marriage in its stead.

Individual employers can define their own terms for benefits-sharing; for example, my partner’s work will only recognize legally married couples or couples with registered domestic partnerships; meanwhile, the place I hope to work at after graduation allows any couple that has lived together for 6+ months to share benefits. You’ll have to check with his workplace and see what their policies are.

View Quoted Comment California changed that law in August! Anyone can be in a domestic partnership now.

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Oh interesting, I didn't know that! Thanks for letting me know

It really depends on your state and their employer. I can’t get on my FHs insurance until we’re legally married. His insurance plan is definitely cheaper and better than mine. So, I’d check in with state regulations and his employers clauses about adding a partner to the insurance.

It depends on the employer. A few years ago when we were looking my employer at the time allowed it, but he would have been considered part of my "household" and since we weren't married he would have to pay for the full amount instead of the employer paying for 50% like it did for me. So it was worth more if he stayed on his employer's insurance cause they paid for part of it.

Now we both are at different employers. I'm paying 100% for my own insurance and am waiting until we marry when he puts me on his insurance, and his employer will pay 50% for me.

Hi. We filed for domestic partnership (super easy!) so that I could get on his insurance , HOWEVER we didn’t end up doing it as when he brought the paperwork in, it turned out that expenses work differently for married couples versus partnered couples (probably more complicated than I can recall, but basically one instance is pre-tax and the other is post-tax ) so we did the math and his out of pocket expense to add me as a domestic partner would’ve been *way more* than as a wife, and I think it was ultimately cheaper for me to buy into my own insurance through the marketplace/ACA

It varies state by state. I live in PA now which does not recognize domestic partnerships but my best friend who is still in NY was able to get on her boyfriends insurance as a domestic partner. They had to fill out some paperwork, one thing I remember was they had to prove they lived together, I don’t remember what else they needed to do.