Skip to main content
(866) 465-5395 Schedule a Consultation (866) 465-5395 Schedule a Consultation

Maintain Your Health Insurance After Divorce

| |

A close second priority to your health is your health insurance coverage. If your insurance is through the employer of your spouse, once your divorce is finalized, you will need to get your own insurance. Insurance must remain status quo during the divorce process.

The Consolidated Omnibus Budget Reconciliation Act or “COBRA”

The court might order your spouse to keep the insurance for your children, but cannot not for you, after the divorce. Under this federal law, if your spouse is employed by a company with 20 or more employees, you may be entitled to apply for continued health insurance coverage under his employer’s plan. The ability for you to apply for COBRA benefits under the health insurance plan of your former spouse should be specifically addressed in your Marital Settlement Agreement.

There is a 60 day notification rule

You need to notify the health plan administrator within sixty days of becoming divorced, because your spouse’s employer is required to provide COBRA insurance coverage for you. Otherwise, failure to notify will result in ineligibility for COBRA coverage. Again, it would be best to address this issue in your Marital Settlement Agreement to ensure this does not occur.

Coverage through your own employer will not cost as much

It is likely that your spouse’s employer is paying for all or part of your insurance premium. If this is the case, you may not want to be covered under COBRA, because you will be paying for the entire premium or charged 102% of the group rate cost.

If your employer provides you insurance at little to no cost,  it is better to stick with this insurance. You may also learn that other private plans are less costly and more permanent than COBRA coverage. You may ask what insurance types are accepted at your doctors’ offices and which ones will work  best for you.

COBRA coverage expires for the ex-spouse in 36 months

The insurance coverage provided under COBRA terminates in 36 months. You will need to plan and take steps to make sure your health is covered once COBRA terms and eligibility end. You will need to acquire new insurance to make sure you are covered.

Our team at Petrelli Previtera, LLC is here to provide you with the legal divorce assistance you need. Get started today by scheduling your consultation online with one of the firm’s top divorce attorneys.

Client Testimonials

Here's what our clients have to say about working with us. Please note, results may vary based on individual circumstances.

Melinda Previtera, Esq. came highly recommended to our family. Her knowledge base, professionalism, and compassion paved the way for a successful outcome. Melinda is efficient, detailed, and informative. She helps manage expectations, and postures her client for a fair and equitable result. We are happy to recommend Melinda!

Jennifer A.

My experience was very good. Everyone was professional and attentive to my needs, keeping me updated every step of the way. I couldn’t ask for a better result, highly recommended.

David R.

My marriage life has been a hell for me for the past four years until I decided to put an end to what has to be ended. Choosing a lawyer was another additional stressful part of the long process. I’m so glad that I’ve found the right one for me at Petrelli Previtera. Life isn’t always fair, but at least having her in my corner, felt even better. I couldn’t recommend her highly enough!

Caitlin B.

Serving Clients at the Following Locations

Bethesda4800 Hampden Lane, Suite 200 Bethesda MD 20814(301) 234-7409view details
Maryland5425 Wisconsin Ave Chevy Chase, MD 20815(301) 889-8085view details
ChicagoTwo Prudential Plaza 180 North Stetson Suite 3500 Chicago, IL 60601(312) 252-2085view details
Schaumburg1750 E. Golf Rd, Suite 382 Schaumburg, IL 60173(630) 491-9670view details
Texas500 W 2nd St Suite 1900 Austin, TX 78701(512) 883-1684view details
Washington DC1717 K Street NW, Suite 900 Washington DC 20006(202) 519-0366view details
Denver7900 E. Union Ave. Suite 1100, Denver, CO 80237(720) 821-6440view details
Princeton475 Wall St, Suite 214, Princeton, NJ 08540 Meeting Location: By Appointment Only (609) 917 9560 view details
Linwood210 New Road #15 Linwood, NJ 08221 Meeting Location: By Appointment Only (609) 375-0351 view details
Parsippany8 Campus Dr, Parsippany, NJ 07054 Meeting Location: By Appointment Only (973) 310-5320 view details
Philadelphia1845 Walnut Street 19th Floor Philadelphia, PA 19103(215) 523-6900view details
Montgomery County516 DeKalb Street Suite C Norristown, PA 19401(610) 924-2870view details
Doylestown123 N Broad Street, Doylestown, PA 18901(267) 938-4480view details
Abington1147 Easton Road, Abington PA 19001(610) 890-4833view details
West Chester203 W. Chestnut St., Suite 204
West Chester, PA. 19380
(610) 431-4012view details
schedule a consultation Today
Contact Us Fill out the form or call us today (866) 465-5395