Here’s what you need to know
- Once the divorce is finalized—or if your ex removes you from their plan before the divorce is finalized—you have 60 days to elect your new health insurance plan.
- Your children can stay on your ex’s plan, but you cannot.
- Loss of coverage from a divorce is considered a qualifying event, meaning you don’t need to wait for open enrollment at the end of the year.
- Don’t try to stay on your ex’s plan after divorce! Insurance companies can go after you for fraud. Trust us, you don’t want to go down this road.
What are my health insurance options?
- Employer: Contact your HR department to find out more about your health insurance options.
- COBRA: Extend the coverage you had on your ex’s plan for up to 36 months. You will have to pay the premiums, which will cost a pretty penny without the company discount.
- Marketplace: Thanks to the Affordable Care Act, you have lots of options from big insurance companies like Aetna and Blue Cross Blue Shield or from smaller, faith-based plans called Medi-share. Do your research to find the best plan for you based on cost and coverage.
You have a lot on your plate. Let us help.
Take Command Health can help you navigate through the health insurance scene with our easy-to-use online tool that uses data to provide unbiased plan analysis. We'll quickly help you compare options from Healthcare.gov, private marketplaces, and even faith-based plans. We’ll help you find plans that include your doctor, prescriptions, and coverage for your unique needs and see if you qualify for any tax credits. It takes five minutes and it’s free!