Health Insurance Options After Divorce: What You Need To Know

Updated: August 9, 2022
Health Insurance Options After Divorce
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A perfect settlement looks like this after divorce: Your ex-partner helps you pay the premiums for the health insurance for a while after the divorce. It means that you will still be covered. However, if the settlement doesn’t give such a ruling, the insurance provider will remove you from your ex’s health insurance plan as soon as the divorce is official. Therefore, you should start looking for options to maintain your health insurance coverage. This blog has discussed some of the incredible health insurance options after divorce

What Are the Healthcare Insurance Options After Divorce?

You don’t have to give up your health insurance just because you’re going through a divorce. Indeed, there will be a wide range of possibilities available to you, and it is crucial to take your time and select the best medical insurance after divorce for yourself. 

For example, you can choose employer-sponsored medical insurance if you have a job. Large corporations and brands typically offer benefits such as this. In the event of any medical expenses, you’ll be able to get coverage and health care under this plan. This policy can also cover your children, but this is something you and your husband can consider during the divorce proceedings.

Also, you can purchase your own medical insurance after divorce. You can accomplish this with the help of an insurance professional who can help you get the best deal. You may be surprised by the hefty prices and premiums you have to pay. However, you can take your time and consider all your possibilities before making a decision.

Your state’s health insurance exchange can also provide you with coverage. Since divorce is a qualifying event, you will be allowed to sign up right away. As a result, you won’t have to wait until the following enrollment period to receive coverage. 

Best Health Insurance Options After Divorce

The sooner you take control of your healthcare coverage, the better off you’ll be. Let’s have a look at some best health insurance options you may have after a divorce:

1. COBRA 

Due to divorce, the insurance company will remove you from your ex-spouse’s health insurance plan. 

However, you will be eligible for COBRA’s health insurance coverage which will last for 18 or 36 months. 

To retain coverage from COBRA under the health insurance plan you already had, you must apply for it within 60 days of termination of your current policy. In such a case, you will have to pay the entire cost of the policy. In addition, you will not receive any subsidies from your ex’s insurance provider. 

It can be one of the most expensive health insurance options, so do proper research before choosing a new plan. 

2. Employer health insurance plan 

Talk to your employer to see if you are eligible for health insurance or not. This option is much more cost-friendly than COBRA and separates you from your ex-partner’s insurance company plan. In addition, you can apply for employer health insurance through a special enrollment period that opens when you lose your previous coverage through a divorce. 

3. ACA/ Obamacare Health Plan 

Even if you are eligible for the employer health insurance plan, you can enroll in the Obamacare Health Plan. Get a free health insurance quote now.

You have to apply for it within 60 days after your divorce during the special enrollment period. However, if you didn’t register during this period, you will have to wait and enroll during the regular open enrollment period. It usually starts at the end of the year. 

Health Insurance Options After Divorce

Here is a list of things to consider when shopping for a health insurance plan after divorce: 

·      Metal level

Obamacare is categorized into four metal levels: bronze, silver, gold, and platinum. The metal level doesn’t indicate the quality of the care, but it describes how you and your plan split the cost. As the metal levels progress, they become more comprehensive and lower deductible while the monthly cost increases. 

·      Network 

If you prefer a doctor or a facility to receive care from, you have to choose a health insurance plan that the particular health provider is a part of. 

·      Deductible 

Deductible means the price you must pay before the insurance provider pays for your medical bills. Therefore, look at the policy’s deductibles before enrolling in the plan. 

·      Price

Before purchasing a health insurance plan, make sure you can pay the monthly payments. Otherwise, your coverage will suspend

4. Short-term Health Insurance

If Obamacare and employer health insurance plans seem unworkable for you, short-term health insurance will be an incredible and affordable alternative. 

health insurance after divorce

Here are a few things to know about the short-term health insurance plans: 

  • No pre-existing condition will be applicable 
  • Coverage begins the exact day you apply 
  • It lasts for usually six months or up to 12 months, depending on your living situation. 

Finding health insurance after divorce shouldn’t be too much of a challenge as long as you know what your options are. To ensure a happy and healthy future, protect your health now.

What are the options when you are separate but not divorced? 

If you are not living with your spouse but are not divorced yet, you can stay on your spouse’s health insurance until the divorce is official. However, your spouse will receive your health reports at the shared mail address. In addition, the primary spouse will be able to get their own health insurance coverage once the mutual insurance expires. 

In the case of legal separation, the rulings will vary depending on your state and insurance company. Here are some best health insurance companies you can consider.

health insurance after divorce

Health insurance in a divorce settlement 

It is better to discuss your health insurance in the divorce settlement, and your spouse may cover the premiums for you and the children through COBRA

When you are divorced but don’t lose your health insurance

If you don’t lose your health insurance once the legal separation has occurred, then it implies that you were the primary insured. However, you can choose a new plan due to changes in your living circumstances. 

Bottom Line 

So, what happens to your health insurance after divorce? After a divorce, is it possible to keep your ex-spouse on your insurance policy? How long can you stay on your spouse’s health insurance plans after divorce? There is no definitive solution to this and a plethora of other questions. By speaking with one of our helpful and knowledgeable qualified insurance agents, you may learn more about your specific case or how to cope with situations like forgetting to remove your ex from health insurance after divorce. NewHealthInsurance can help you choose the best health insurance plans after divorce.

FAQS 

Who pays for child health insurance after divorce?

The non-custodial parent pays the child’s health insurance following a divorce, as long as the expense is reasonable.

If the non-custodial parent doesn’t want to buy health insurance for the child, they can pay the custodial parent for the insurance instead. Suppose the non-custodial parent is self-employed and the custodial parent receives health insurance through his or her company. In that instance, the non-custodial parent may want to compensate the custodial parent for the child’s medical bills and have the custodial parent buy insurance.

The remaining expenses, including the health insurance premium and unreimbursed costs, are distributed equally between the parents’ incomes.

Who pays for health insurance after divorce?

Medical insurance is often paid for separately by each spouse following a divorce. This coverage will no longer be available if your spouse’s employer policy previously covered you.

Can you keep your spouse on health insurance after divorce?

In the United States, your coverage ceases if you have health insurance through your spouse and get divorced. If you were eligible for COBRA, you could extend your benefits for an extra 36 months.

When does health insurance end after divorce?

When a divorce is finalised, private health insurance for the Dependent Spouse terminates. If ordered by the court, private health insurance will continue to cover any offspring of the marriage.

Can you keep health insurance after divorce?

Having your own health insurance after a divorce is possible. Once the divorce is final, you may no longer be qualified as a dependent on your spouse’s employer-sponsored health insurance plan.

Can you stay on your spouse’s health insurance after divorce?

COBRA is an excellent option to ensure that you have the same health insurance plan after divorce. You have 60 days to decide whether or not you want to keep your COBRA coverage. Health insurance can be maintained through the Affordable Care Act.

COBRA might last for up to 36 months at times. However, the cost of COBRA insurance might be high. You must additionally pay a charge in addition to the whole premium, which includes both the employee and employer’s portion. For those who cannot pay COBRA, NewHealthInsurance can assist you in finding a plan that meets both your needs and your budget. This is an excellent choice if you can afford COBRA, which will give you plenty of time to decide on health insurance after your divorce.

What happens to health insurance after divorce?

When you divorce, federal law mandates that your health insurance coverage is terminated. Ex-spouses can usually continue their health insurance through COBRA for up to 36 months after their divorce is finalised.

You may check this article if you want to buy long-term health insurance.

 

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