This is how Voice chat on the Switch will work

[Pyro as Bill]

d21lewis said:

I haven't tried the two player voice chat thing but, on Xbox One, every player on the console gets access to the primary player's Gold features. At least from my experience. 

 

Heck, as the owner of three (yes, three) Xbox One consoles, I'm the only one with Gold and I've played online with my daughter. She logs in under her profile on my primary console and uses all of the features and plays all of my games. I log in as myself on a second XBO and have access to all of my features and games.

Not sure about XB1 but on X360 I seem to remember silver members and/or guests not being able to use voice chat as P2.