If your marriage is coming to an end, you need to make certain your health insurance does not. Married couples often have health insurance through one spouse’s employer. If you are the spouse who relies on the other’s coverage, you’ll need to take action.
The ex-spouse and stepchildren are removed from an insurance policy immediately upon the divorce becoming final. So, if you are the spouse who will lose coverage, you need to explore options while the divorce is taking place. Courts typically issue temporary orders requiring your spouse to cover you until the divorce is completed.
There are several options for you to pursue to avoid losing health insurance coverage upon divorce:
You will need to figure out how much of your post-divorce budget will go towards health insurance. If you are also going to receive spousal support (alimony), the cost of your health coverage can be factored in to the support calculation. Note that the children of your marriage will not be automatically dropped from the insurance policy. The cost of the children’s health insurance may be reflected in your child support agreement.
Divorce and health insurance are both complicated topics on their own. Dealing with them at the same time can be hard. But you don’t have to do it alone. At Dawson Family Law, PLLC in Sterling Heights, Michigan, I provide my divorce clients comprehensive advice concerning health coverage and can help you take steps to remain covered. You can set up a free consultation by calling 833-671-4445 or contact me online today.