I was able to add my wife to my insurance w/o a SSN. Stating this year, the company that manages our benefits plan said a SSN was required. But after calling and explaining we are waiting for her visa and SSN to be issued I was able to add her. They said just call when she has a SSN and update the file. So it might company specific. But a SSN is not required for insurance.
However i did find this on the IRS website. It might explain why the insurance company wants it. It seems a TIN should work.
Q1. My health insurance company has requested that I provide them with my social security number and the social security numbers of my spouse and children. Is there a reason why they need our social security numbers?
A1. Your health insurance company is required to provide Form 1095-B, Health Coverage to you and to the Internal Revenue Service. You will use information from the form to prepare your individual income tax return. The law requires SSNs to be reported on Form 1095-B.
Q5: If I do not have a social security number (SSN) or other tax identifying number (TIN) for myself or other covered individuals, such as my spouse or dependents, should I contact the IRS to obtain a social security number or individual taxpayer identification number (ITIN) so that I can give it to my health coverage provider?
A5: No, it is not necessary for you to contact the IRS if you do not have an SSN or a TIN. You should advise your coverage provider that you do not have an SSN or TIN and give them the date of birth for each covered individual.
LINK:
https://www.irs.gov/affordable-care-act/questions-and-answers-about-reporting-social-security-numbers-to-your-health-insurance-company#targetText=Your health insurance company is,to the Internal Revenue Service.&targetText=The law requires SSNs to be reported on Form 1095-B.
