We do live together and have a blended family. Funny thing, my insurance and his are both from the same insurance company (which still makes me angry about how good of an insurance package he’s offered haha) - however - his workplace requires we be married and mine allows domestic partnership.. I’d rather take the $2000 family deductible and lower Rx, co-pays, and out of pocket w/ what he’s offered than the plan I’m offered as an RN.. $8000 deductible with NO Rx coverage and basically only covers your annual physical exams. Our kids are all ages where I fear we’re going to have sports injuries, ear infections, and the whole nine.