Figuring out health insurance coverage for yourself can be tough, not to mention the responsibility of covering a spouse and/or dependents. The end of a marriage is one big reason people often want to cancel their spouse’s coverage. And with many insurance companies raising monthly premiums for spouses, partners and dependents, it may no longer make sense financially.
If you’re wondering when you’re allowed to exclude your spouse (or soon-to-be ex) from your policy, we have answers. Although plans vary, there are a couple of basic rules they all follow.
AFTER YOUR DIVORCE HAS BEEN GRANTED:
After your divorce is final, you should notify your employer about your new single status (assuming there is no requirement that you continue covering your spouse post-divorce) so that you can remove your ex-spouse from coverage within the required time frame.
It’s best to check with your employer’s benefits manager or directly with the insurance company to find out what qualifies as a life event and the timeframe for notifications of that event.
Your spouse or ex probably has other insurance options available to them, including the Affordable Care Act (ACA). The next ACA enrollment period starts November 1, 2022 and runs for an extended time until January 15, 2023. The ACA also offers special enrollment periods during the year for reasons that include losing other insurance coverage. They can go to healthcare.gov to enroll.
The highly experienced attorneys at Jones Family Law Group, LLC, can provide all the legal guidance you need.
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