Can Ex-Spouses Get Affordable Care Act Health Plans?
Going through a divorce can mean many changes, including to your health insurance coverage. If you’re wondering if your ex-spouse can get an Affordable Care Act (ACA) health plan, the answer is yes, in most cases.
How ACA Marketplace Plans Work
ACA plans are sold through the Health Insurance Marketplace. To qualify for an ACA plan, you must meet certain requirements, such as being a U.S. citizen or legal resident and not being incarcerated. You also must not have other health insurance, such as through an employer or Medicare.
Income and ACA Plans
When you apply for an ACA plan, you will need to provide information about your income. Your income will determine how much you pay for your plan. If your income is below a certain level, you may qualify for premium tax credits, which can lower your monthly premium costs.
Alimony and Child Support
Alimony and child support are not considered income when determining eligibility for ACA plans. This means that your ex-spouse’s income from alimony and child support will not affect their ability to get an ACA plan.
Medicaid
Medicaid is a government health insurance program for low-income individuals and families. If your ex-spouse’s income is below a certain level, they may qualify for Medicaid. However, Medicaid eligibility requirements vary from state to state.
What Your Ex-Spouse Can Do
If your ex-spouse is not eligible for an ACA plan, they may be able to get health insurance through a different program, such as Medicaid or CHIP (Children’s Health Insurance Program). They can also purchase a health insurance plan directly from an insurance company, but this may be more expensive than getting coverage through an ACA plan.
Seeking Professional Help
If you’re not sure how the ACA will affect your health insurance coverage, it’s important to seek professional help. A licensed insurance agent can help you understand your options and find the best plan for your needs.
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