Your post-divorce health insurance options in Pennsylvania

Health insurance is a constant concern, especially for divorcing individuals who rely on a spouse for coverage. Losing access to a spouse’s insurance plan can leave you feeling vulnerable and unsure of what steps to take next. 

However, there are several accessible options to consider for maintaining health insurance coverage after your divorce.

COBRA continuation coverage

One of the most common options for individuals who lose health insurance due to divorce is COBRA. COBRA allows you to stay on your former spouse’s employer-sponsored health plan for a limited period, usually up to 36 months. This option provides a temporary solution, though it is often more expensive. Under COBRA, you must pay the full premium, including any portion the employer previously covered, as well as an administrative fee. Despite the higher cost, COBRA is helpful because it allows for continuity in coverage.

Private health insurance plans

Another option is to purchase a private health insurance plan through the healthcare marketplace. This is often more affordable than COBRA, especially for those who qualify for subsidies based on income. When considering this option, it is important to compare plans to find one that suits your individual health needs and budget. The healthcare marketplace offers a range of options, including lower-cost plans with higher deductibles and more comprehensive plans with higher premiums.

Preparing before or during divorce

There are steps to take before or during the divorce process to prepare for the change in health insurance. First, it is important to check the terms of the current health insurance policy to understand when coverage will end after the finalization of divorce. This can help you avoid any gaps in coverage. It is also a good idea to explore new health insurance options early to ensure a smooth transition to a new plan.

For those who cannot afford COBRA or private insurance, Pennsylvania offers state programs that may provide assistance. Medicaid may be an option for low-income individuals, and the Children’s Health Insurance Program offers coverage for children. Exploring all of the options available to you will help ensure that your coverage remains intact after divorce.

Archives

FindLaw Network