I think you can definitely conclude that this common-law spouse of yours is definitely not covered.

The first thing for you to do is make sure your domestic partner, as I would now call this person, completely stops obtaining any healthcare through your insurance. Then just wait and see what happens.

If your D.P. has not yet run up any major bills that your insurance has paid, you may not have any terrible consequences. (That's just me guessing.)

There are 10 states where common-law marriage is still legal.