Divorce can change many parts of your life, and health insurance is no exception. Many couples share a plan, and divorce can leave one spouse without coverage. Understanding your options can help you plan ahead and avoid a gap in insurance.
Health insurance through a spouse
If you had health insurance through your spouse’s employer, that coverage usually ends once the divorce is finalized. Employers do not have to keep providing coverage to an ex-spouse. This means you need to start looking for new coverage as soon as the divorce process begins.
COBRA continuation coverage
One option is COBRA, a federal law that lets you keep your spouse’s employer-sponsored plan for a limited time. This can last up to 36 months, but you must pay the full premium plus a small administrative fee. While COBRA can be expensive, it allows you to keep the same doctors and benefits while you search for another plan.
Marketplace and private insurance plans
You may also qualify for a special enrollment period through the federal Marketplace when you lose coverage due to divorce. This allows you to sign up for a new plan outside the regular enrollment window. Depending on your income, you might also qualify for subsidies that reduce your monthly cost. Private insurance plans outside the Marketplace are another choice, though they may not offer the same financial assistance.
Planning for your health needs
Losing coverage during divorce can feel overwhelming, but you have options. Start researching new plans as early as possible so you do not face a lapse in coverage. Compare costs, networks, and benefits to find a plan that meets your needs and budget.
