What can an insurer require as proof of marriage in order to insure spouse?

Question Details:

I have proof of my marriage to continue on my husband's health insurance but now the company is demanding I show them a loan obligation with him. Can they do this? I tried sending them a current bill with both our names and address and they say it is not good enough; we both have separate accounts and separate bills. I have been married for over 20 years and the company has had know problem covering me for the past 10. Now my marriage license is not good enough?

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