HEALTH INSURANCE AFTER DIVORCE

Direct payment of a former spouse’s health insurance normally is not part of an alimony agreement or order, although the recipient certainly may wish to use some of the alimony payments to purchase health insurance if the recipient is not already covered. 

When a couple divorces, the health insurance policy covering the family (if there was such a policy) no longer covers both spouses. The policy covers only the spouse who had insurance through work or through an individual policy. Children who were covered under a family policy generally are still covered under the policy after a divorce. 

A federal law passed in the 1980s requires most employer sponsored group health plans to offer divorced spouses of covered workers continued coverage at group rates for as long as three years after the divorce. The divorced spouse of a worker must pay for the coverage, but the coverage is available. 

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