Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Can you stay on your ex-husbands health insurance after you divorce? It's going to depend on the size of the company your ex husband works for? If he works for a COBRA eligible employer you may be eligible to stay on the plan up to 18 to 36 months depending on your situation. With the new ACA, you would be eligible almost immediately for care.
Generally a divorcee who is a covered dependent loses their eligibility for coverage on the date their divorce is legally granted. If the ex-spouse's employer group is subject to the Federal COBRA regulations (20+ employees) then a divorced ex-spouse can elect to continue coverage under that group's health insurance plan. As a divorcee you could continue COBRA coverage for up to 36 months. If the ex-spouse's employer has less than 20 employees then state continuation of coverage provisions would apply but these vary from state to state and generally run for a much shorter length of time. In any event, the person who elects to continue coverage is responsible for making the entire premium payment and this payment must be submitted in a timely fashion each month or your coverage can be terminated by the employer.
Divorce is a "qualifying event" under the health care reform law and is a circumstance that will allow you to purchase individual health insurance either through the government health insurance marketplaces or outside of the government marketplaces (directly from an insurance agent or insurance carrier) outside of the annual open enrollment period. You have a 60-day window of time after your divorce is finalized to apply for individual health insurance coverage.
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Divorce is a "qualifying event" under the health care reform law and is a circumstance that will allow you to purchase individual health insurance either through the government health insurance marketplaces or outside of the government marketplaces (directly from an insurance agent or insurance carrier) outside of the annual open enrollment period. You have a 60-day window of time after your divorce is finalized to apply for individual health insurance coverage.