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Insurance companies are private buisinesses. They should be able to give or deny benefits to whoever the hell they want, on any arbitrary basis. It's a private buisiness. They don't need government distinctions and recognitions of relationships to do buisiness.
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I'd love to watch you debate that topic here. That an insurance company or any other employer should be allowed to discriminate on the basis of sexual orientation.
As the law currently stands, businesses are immune from any lawsuit on that basis as long as they are consistent in who they offer benefits to. Every employee, and his/her spouse cannot be construed as discrimination so long as the law doesn't allow homosexual marriage. Businesses are free to extend benefits to "life partners" as they wish, but elevating gay marriage to the same status as heterosexual marriage would automatically force businesses to extend benefits to every employee's "spouse."