The divorce isn’t the qualifying event. Losing coverage is. Your 60-day special enrollment window runs from the date your coverage ends, and you can start early. Check the exact date with your spouse’s employer, then plan around it.
Twenty minutes, real numbers. Tell me your new income, whether kids are on your plan and what your decree says about coverage. We’ll compare COBRA, the Marketplace and a private plan side by side.
COBRA. You may be able to keep your spouse’s plan for up to 36 months by paying the full premium. It’s the same plan, but it’s usually the most expensive way to do it.
Marketplace (Pennie). A tax credit may apply once your income is your own. Enroll within 60 days of losing coverage.
Private, underwritten plan. Priced on your health, not your income. Worth a quote if you’re healthy.
Your own employer’s plan. If your job offers one, compare it.
Three things through a divorce. Find your coverage end date. Compare COBRA to the alternatives before you accept it. Update your income estimate for the new household.
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Your decree may require coverage. If a court order says you cover the kids, check that first.
Tax filing status changes. Talk to your tax professional about how alimony and support are treated.
Kids on two plans. If both parents have coverage, work out which one is primary.
1. Is there a maximum out-of-pocket? 2. Is it an unlimited contract? 3. Is it guaranteed renewable? If a plan uses words like “deductible” and “PPO network,” that doesn’t automatically make it actual health insurance. These three questions do.
Send me an age and a zip code and I’ll send back a general idea of what’s available in your area. Twenty minutes, no charge, no pressure. Happy to answer any and all questions so you can make the most informed decision for you, your family, or your business.
