Never has it been more apparent that the need for good quality health insurance is a must. If you or your family gets sick, you want to be able to get the best health care possible. Insurance rates and policies are often created for the family unit and its individual members. So, how does going through a divorce affect your insurance?
Many times insurance coverage will not change during or immediately after a divorce. This holds true for policies provided by an employer. There is actually a law on file called COBRA which states that healthcare will be extended for an ex-spouse for up to 36 months.
Down the road, an insurance change may need to be addressed. The child or children may continue to be covered while the ex-spouse is no longer. This is when the ex-spouse should look into their own insurance policies. There are many companies to choose from and there are many options available at healthcare.gov for people who may be having a tough time financially.
If your spouse pays for an insurance policy privately, you maybe able to negotiate that he or she continues to cover you after the divorce if final and for years afterward. This is all up for negotiation during the period where terms are set for the divorce.
The goal of laws that cover these topics is to make sure that a divorce doesn’t leave anyone out in the cold, so to speak. Just because your marriage didn’t work out doesn’t mean that you no longer have the right to health insurance.
Your divorce attorney can help you navigate this issue and will work to insure you get the best possible outcome. It is always a good idea to consult an attorney during these troubling and trying times.