Divorce and Your Health Insurance



Chances are either you have been divorced or know somebody that has. The American Psychological Association states that between 40 and 50 percent of married couples in the United States get a divorce. Having personally been through a divorce I know that making decisions during such an emotional time can be difficult. It is best to be as prepared as you can. One thing that is often overlooked is the impact a divorce can have on one’s health insurance. The good news is that you have some options to consider.

  • You can put health insurance into divorce agreement so that you remained covered.
  • Cobra might be an option if you were on your former spouse’s employer health insurance and they offer Cobra coverage. However, you will have to pay the full premium yourself. This option might be costly.
  • You can buy a policy directly from a health insurance company or your state’s health insurance marketplace. If you do not qualify for a subsidy then using a private health insurance agent/broker might be a good option
  • You can also get health insurance through your employer if they offer it.
  • If you have children involved, you will want to address this in your divorce agreement as well.
  • It is important that you understand your rights and options when it comes to health insurance when seeking a divorce.


There are some Medicare options after a divorce, but you must meet certain criteria according to the Social Security Administration.

  • You must not be currently married
  • You must be 65 years of age or older
  • Your former spouse is at least 62 years of age
  • You and your former spouse must have been married 10 years or longer
  • Your former spouse must be entitled to benefits either retirement of disability benefits
  • The benefits you will receive based on your own work history must be less than the benefits you will receive based on your former spouses work history.
  • If you meet all these criteria, then Medicare may be an option for you.

Protecting your health is important and that is one of the benefits of health insurance.

If you have any questions about your health insurance when going through a divorce, give me a call or drop me an email.