Do I have to claim her as a dependent On my w-4 if I were to get health benefits through my employer for her?
You're mixing apples with ketchup here. The IRS could care less one way or the other. But if your employer who provides those benefits require that you prove the dependent is entitled to them, that's between you and the employer. Depending on the employer requirements of the plan, "claiming" someone as a dependent does not always mean they are not a "qualified" dependent for the employer sponsored plan.
My fiancé and I both claim head of house hold
Now *THAT* will be a problem with the IRS if both of you reside in the same household. There can only be "ONE" head of household under the same roof.
