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Am I able to stay on my ex’s health insurance plan after we get divorced?

Posted on: June 11th, 2012 by Cobra Insurance Guide

Doctor

Anyone going through a divorce knows just how tricky it can be to navigate the waters. Not only is there substantial emotional difficulty regarding divorce but on top of that is all the legal, financial, and healthcare decisions that emerge. One of the most common questions we here is, “Can I stay on my ex’s health insurance plan after divorce?” The answer to this question is actually Yes and No.

Let’s start with the Yes. If you ex was on a health insurance plan that covered at least 20 full time employees, then you likely can elect COBRA insurance and keep your ex spouses’ plan for up to 36 months in most cases. Divorce is considered a qualifying event under COBRA so you have the right to sign up. The tricky side of COBRA though is that you are required to pay the entire premium, which is usually between 50-90% higher than what you are used to.

Now onto the No. COBRA insurance is only a temporary solution to health insurance after divorce. Not only will it run out at some point, it is extremely expensive. Moreover if you develop a condition while on COBRA it may disqualify you from future health insurance policies. Your best bet is to get your own health insurance as soon as possible. This can be done through your employer if available. If not, look into private health insurance. It can be surprisingly affordable. You can begin looking for private health insurance by getting free quotes and comparing plans.

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