Just curious, what about medical insurance for the family if only one works? what about the signature thing when you need it most(e.g. in hospital that you need some signature), there are many inconvenience in daily life if you opt to not married but staying as partners with kids? there might be a long list of those things other than the marriage tax penalty.
There are something like 1200 rights that get conferred onto you when you get married. Most you can take care of with signing a power of attorney affidavit. Health insurance is a tricky one but the cost of adding a spouse vs getting two single plans is typically not that different.
> Health insurance is a tricky one but the cost of adding a spouse vs getting two single plans is typically not that different.
Sure.
Where being married is cheaper for health insurance is when you have kids, at least with employer group plans.
(Premiums for 2-party plans tend to be about, often exactly, double single plans. Family plans, for 3+, tend to be about 2.5 times. If your coparent isn't eligible on the same plan the marginal cost of each of the first two kids is higher.)
A lot that cover partners cover only registered domestic partnership, which was created as a lesser option to avoid providing same sex marriage, but has generally been retained because it's been adapted to other uses. But it's still a state-defined legal relationship, so if you are against that with marriage...
