How Does a Divorce Impact Health Insurance in Massachusetts?

health insurance

If you and your spouse are headed for divorce, it’s crucial to prepare yourself for this complex legal process, as you will be burdened with determining the terms that will apply to the termination of the marriage. Divorce is often a stressful experience, as it upends your life and forces you to deal with significant changes. It’s imperative to prepare yourself for these changes to safeguard your future. One of the many things that people overlook is how a divorce may affect their health insurance coverage. Consequently, they’re left uninsured once the divorce is settled. To avoid this situation, it’s in your best interest to enlist the help of our determined Bristol County Divorce Lawyers, who can help you make informed decisions during the divorce process that will enable you to transition smoothly into the next chapter of your life. 

How is Health Insurance Handled During a Massachusetts Divorce?

Fortunately, you can negotiate health insurance as part of your divorce settlement. As you negotiate the terms that will apply to the termination of your divorce, you should consider health insurance, especially if you’re covered under your spouse’s policy. If your spouse provides healthcare for the family, you must obtain your own coverage once the divorce is finalized. Fortunately, you can stay under your spouse’s policy during the divorce process. However, once the divorce is settled, you will be removed as you are legally deemed estranged. Therefore, you must plan for your future to prevent being left uninsured.

In almost all cases, you cannot be kept on your former spouse’s health insurance after the divorce because you have no legal rights as you are no longer considered a “family member.” You should consider the Consolidated Omnibus Reconciliation Act (COBRA) as a healthcare option as it allows you to receive continued health insurance on your spouse’s policy for a limited period after the divorce. This is a costly option as the monthly premiums are not subsidized, meaning you must cover 100% of the premiums. Nevertheless, COBRA will provide coverage while you look for a plan better suited to your budget and needs.

Will the Divorce Impact My Children’s Coverage?

As a parent, worrying about what will happen to your children’s health insurance coverage when you dissolve your marriage is natural. However, there’s no need to worry, as your children are considered dependents of both you and your spouse. This means your children will not lose their coverage.

It’s crucial to note that child support and insurance coverage are often intertwined when parents split. When the custodial parentpaysg for their child’s insurance, the court will order the non-custodial parent to make up the difference by providing additional support. If the non-custodial parent pays for their child’s insurance, their child support order will reflect this contribution.

As you can see, ending your marriage will significantly impact your health insurance coverage. Considering your healthcare options during the divorce to prevent being uninsured would be best. At The Law Offices of Cynthia L. Hanley, P.C., we are prepared to help you fight for the best possible outcome for your situation.