We use my partner’s health insurance for the family because it’s way cheaper than mine ($50/month vs $400/month) and covers much more. However, every year, the insurance company requires proof of marriage and proof that I don’t have other insurance. In the past, we’ve submitted forms, our marriage license, and our kids’ birth certificates.
This year, they’re only accepting a copy of our 2017 or 2018 tax return as proof of marriage. We tried offering other documentation, but they refused to accept anything else.
My partner plans to offer the front page of our return with our social security numbers and income blacked out. I think asking for a tax return is excessive and I’m wary of them storing this data, especially with potential identity theft risks.
Is it even legal for them to demand a copy of our tax return?
I’m not finding any laws that prevent them from asking for this. Your health insurance provider probably already has your SSN. You might want to reach out to your employer and express your concerns—they may be able to advocate for an alternative.
Not a lawyer, but I work in health insurance. If your partner’s insurance is through their employer, it’s likely the employer setting the eligibility verification requirements, not the insurer. Your partner should check with HR.
A redacted tax return with SSNs and income blacked out shouldn’t put you at much risk for identity theft. Your address and marital status are public knowledge. While it’s reasonable to feel uncomfortable about this, the tax return is likely their way to verify that you’re still married.
Jai said: @Zain
Even with a redacted tax return, it feels excessive. I’d rather submit other proof, but they’re insisting on the tax return.
They likely encountered someone keeping an ex on their health insurance after a divorce, which is why they’ve become strict about requiring tax returns as proof.
They likely already have your social security numbers, so you don’t need to worry too much about identity theft from this. I understand the concern, but it sounds like submitting a redacted return will be sufficient for them.
@Soren
I know they already have our SSNs, but I’m still hesitant about them having other personal details, like our income and the kids’ information. It seems excessive when a marriage license should be enough.