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Divorce and Health Insurance

I recently read an article (http://health.usnews.com/health-news/news/articles/2012/11/16/divorce-puts-women-at-risk-of-losing-health-insurance-study-finds) that said approximately 115,000 women each year lose their health insurance as a consequence of divorce. This is alarming at best and catastrophic at worst. How does this happen?

Once the divorce is final, your spouse's employer can take you off the health insurance (by the end of that month). Your spouse can choose to elect COBRA coverage through his employer for up to three (3) years on your behalf, but you will be responsible for the premiums, unless your spouse agrees to pay for it as part of final divorce negotiations. The costs are $400 or more per month, per person for COBRA. What's worse, once the three years are up you must find your own private insurance - but during that time if you are diagnosed with a serious illness, a health insurance company can choose not to insure you as a "high risk". I am not sure how the Affordable Care Act will address this problem which not only affects the divorcing population but anyone currently on COBRA.

The best thing to do is to start searching for new coverage before you are divorced. If your employer offers it, wonderful. If not, contact local insurance companies to get quotes. You don't want to be left uninsured when a crisis strikes.

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Law Offices of Catherine Cardozo, LLC
1147 Easton Rd.
Abington, PA 19001

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