Maybe in some instances. In this case, and many others, I get the impression that they had to include hetrosexuals in order to avoid discrimination lawsuits when they included homosexual "partners".
So instead they are getting this "invasion of privacy" thing, as if just applying for the "cohabitation" health insurance wasn't pretty much changing "private" to "not so private" in the first place.
Marriage goes with the presumption of sexual relations.
Seriously, the honeymoon is a "sex vacation" in essence.
You are probably right about this situation including sexually active unmarried normal people.
The interesting question is whether the soon to be passed FL marriage amendment will end this after it passes in NOV.
That will simply end the gravy train for everyone cohabiting for sex. It will just put marriage for insurance back to opposite sex couples.