When going through a divorce, there are a number of important considerations you’ll need to make, such as how you will divide your property and whether or not you want to request alimony. However, among all the other things you must keep in mind, one thing is often forgotten – your health insurance coverage. If you are on your spouse’s health insurance plan, understanding what will happen after your divorce is critical. The following blog explores what you should know about these matters on behalf of you and your children and why you should connect with a Nassau County divorce lawyer for further assistance in these matters.
Can I Remain on My Spouse’s Health Insurance After a Divorce?
When you and your spouse divorce, it can be overwhelming to consider your own health insurance coverage during this time, but it is crucial for your health and well-being. Generally, for the duration of your divorce, the judge could issue a temporary order that will allow you to remain on their plan. However, this will expire on the date of your divorce as you cannot remain on their insurance once your divorce is finalized, as you are no longer legally their spouse.
However, you have options. One thing you should consider is obtaining insurance through your employer, if they offer it. If you do not have a job because you were a stay-at-home parent, however, so you should familiarize yourself with other options.
The first is to opt into the Consolidated Omnibus Reconciliation Act (COBRA), which allows you to receive healthcare from your spouse’s insurance plan. However, this is an incredibly expensive option, as you are responsible for paying the entire premium.
If you qualify, you can also consider obtaining health insurance under the Affordable Care Act, Medicare, or Medicaid. These plans are offered by the government to help those in dire circumstances receive reasonable healthcare.
Will My Children Have Health Insurance Coverage?
In general, your children’s health insurance coverage will not be impacted by the divorce. If you are unable to secure health insurance immediately following your divorce, your children will still be included under your spouse’s plan, as they are still dependants of your spouse. This is because it is required by law for children to have insurance.
When working out your custody agreement, you and your spouse can determine how you would like to divide health insurance coverage for your children. Generally, if you include your children on your new plan and are the custodial parent, your ex-spouse would have to pay more in support each month to make up the difference in your contribution. However, if they remain on your ex-spouse’s plan, their monthly payment would likely be reduced as a result.
As you can see, there are many considerations you’ll need to make during a divorce, and making the wrong choice can impact you for years following the dissolution of your marriage. That is why it’s in your best interest to connect with an experienced divorce attorney who can help examine your circumstances to determine the best possible option for you. At Barrows Levy PLLC, we understand how complicated these issues are, which is why we are ready to fight for you. Contact us today for more information.
