Can I Lose Health Insurance if I Get Divorced?

Many people rely on their employer or spouse’s employer to provide health insurance coverage. However, if you get divorced, you may lose your health insurance coverage. This can be a major concern, especially if you have health problems or are taking medication.

What Options Do I Have if I Lose Health Insurance After a Divorce?

If you lose your health insurance after a divorce, you have several options. You can:

Apply for Medicaid. Medicaid is a government program that provides health insurance to low-income individuals and families. To qualify for Medicaid, you must meet certain income and asset requirements.
Purchase a health insurance plan through the Health Insurance Marketplace. The Health Insurance Marketplace is a government-run website where you can compare and purchase health insurance plans. You may be eligible for a subsidy to help pay for your health insurance premiums.
Enroll in an employer-sponsored health insurance plan. If you have a job, you may be able to enroll in your employer’s health insurance plan. However, you may have to pay a portion of the premiums.

Can I Keep My Health Insurance if I Get Divorced?

In some cases, you may be able to keep your health insurance coverage after a divorce. If you are covered under your spouse’s employer-sponsored health insurance plan, you may be able to continue your coverage under COBRA. COBRA is a federal law that allows you to continue your health insurance coverage for up to 18 months after you lose your coverage due to a qualifying event, such as a divorce.

What Should I Do if I’m Worried About Losing Health Insurance After a Divorce?

If you are worried about losing your health insurance after a divorce, you should take the following steps:

Talk to your spouse. Discuss your health insurance needs with your spouse and see if you can come to an agreement about how to pay for your health insurance after the divorce.
Contact your health insurance company. Find out what your options are for continuing your health insurance coverage after a divorce.
Apply for Medicaid or subsidies. If you meet the income and asset requirements, you may be eligible for Medicaid or subsidies to help pay for your health insurance premiums.

Getting Divorced is Not the Answer

As you can see, there are several options available to you if you lose your health insurance after a divorce. It’s important to explore all of your options before making a decision. Getting divorced is not the answer. There are plenty of other ways to solve this problem.

Call Our Licensed Agent for Help

If you’re not sure what to do, you can always call our licensed agent for help. We can help you understand your health insurance options and find the best plan for your needs.