How should I think about roommates, significant others, etc.?

This is a fun one to explain! We also discuss this in our Insurance 101 section, but briefly speaking:

  • If you're married or in a civil union, you don't need to do anything extra; your plan automatically protects your spouse. Meanwhile, dependent children are also covered automatically.
  • If you live with your significant other but you're not married or in a civil union, he or she does not automatically enjoy the benefits of protection because there is no formal legal link between the two of you, and you should add him or her to your plan. This is because you very likely own joint property, and so adding your S.O. to your plan is the best way to ensure that you're both fully covered.
  • Plain old roommates can't share a plan with you, so they should sign up separately for their own plans.


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