How Divorce Can Affect Your ACA Health Insurance Coverage

If you’re going through a divorce, it’s important to understand how it could affect your health insurance coverage. Under the Affordable Care Act (ACA), your marital status can impact your eligibility for subsidies and the type of plan you can enroll in.

Changes to Your Income

When you get divorced, your income may change. If you were previously relying on your spouse’s income to qualify for ACA subsidies, you may no longer be eligible for them if your income is too high. You may also lose eligibility for your spouse’s employer-sponsored health insurance plan.

Changes to Your Household Size

Your household size also affects your ACA eligibility. If you were previously living with your spouse, you may be considered a household of two. After your divorce, you would be considered a household of one. This could change your eligibility for subsidies and the type of plan you can enroll in.

Changes to Your Residency

If you move out of the state where you were previously living with your spouse, you may need to enroll in a new health insurance plan. The ACA is a state-based program, so the rules and regulations can vary from state to state.

What to Do if You’re Getting a Divorce

If you’re getting a divorce, it’s important to take steps to ensure that you have health insurance coverage. Here are a few things you can do:

Contact the Health Insurance Marketplace. The Health Insurance Marketplace can help you determine your eligibility for subsidies and enroll in a health insurance plan.
Explore your employer-sponsored health insurance options. If you’re employed, you may be able to enroll in your employer’s health insurance plan.
Consider purchasing a private health insurance plan. If you’re not eligible for subsidies or employer-sponsored health insurance, you can purchase a private health insurance plan.

Getting divorced can be a stressful experience. It’s important to take steps to ensure that you have health insurance coverage during this time. By understanding the impact that divorce can have on your ACA health insurance coverage, you can make informed decisions about your health care options.

Consult a Licensed Health Insurance Agent

If you’re unsure about how divorce will affect your ACA health insurance coverage, it’s a good idea to consult with a licensed health insurance agent. An agent can help you understand your options and enroll in a plan that meets your needs.