Search Site
Menu
Ensuring Your Children Have Health Insurance Coverage After a Divorce

After you get divorced, it is likely your children will spend some time living with both you and your ex-spouse, in accordance with your child custody arrangements. One of the issues you’re going to need to address with your ex is how your children will get health insurance coverage.

The choices you make will likely depend on if either of you have group health coverage through your employer. Here’s a quick look at what to consider.

If both parents have group health coverage

If both parents have group health coverage through their employer, your child will be covered no matter which parent they’re with. These coverage plans could be considered the “primary” and “secondary” plans, the latter of which could cover any costs not covered by the former. Simply decide which parent’s plan will be considered the primary plan—it’ll be the one with better overall coverage.

If one parent has group health coverage

If only one parent has employer-sponsored health coverage, that parent will likely cover the children on their health plan, and the other parent will likely need to purchase a healthcare plan of their own, or get COBRA insurance coverage.

If neither parent has employer-sponsored coverage

If neither parent has employer-sponsored coverage, you will need to negotiate responsibility for insurance coverage for the children as part of your divorce. If you need to purchase insurance, both parents could share the cost and share in co-pays, or one parent could take responsibility for the insurance and the costs of that get deferred in other aspects of the divorce and asset distribution.

You might consider purchasing through the private market, or you can get insurance through the Affordable Care Act and the public health insurance marketplace. If your child has a pre-existing condition, the ACA will likely be the best, most affordable route for insurance coverage for your family.

For more information about how health insurance is handled in divorce and how you can ensure your children continue to be covered, contact an experienced Minnesota divorce lawyer at Appelhof, Pfeifer & Hart, P.A.

Our Attorneys
Client testimonials
  • "Tori had a thorough understanding of my situation and made excellent recommendations to resolve my concerns. She was persistent on communication and handled everything in a very timely manner. I would definitely hire her again in the future if needed." - M.K.

  • "With Appelhof, Pfeifer & Hart, P.A., it is like having a family physician. They are all knowledgeable, thorough, comforting, and the only call I need to make for all my legal needs for many years to come. No matter what the matter, I totally trust their advice and commitment to me and my family." - J.N.

  • "Mary from APH Law helped me thru a difficult divorce. She and the entire staff was there for me every step of the way helping me on what to do next. They listened to what I wanted and helped me achieve what matter the most to me in the divorce settlement." - Dana C.

  • "I chose APH after my initial consultation with Mary. I felt my best interest would be represented. The entire process went excellent, the attorneys and staff communicated effectively and efficiently with me throughout the process as they needed to. Being new to the legal process and verbiage, they walked me and talked me through the next steps and the jargon, I felt completely comfortable and represented. I hope I never have to use legal services again but if I do I will call Mary at APH Law and know that I will be taken care of." - Jeff M.

  • "Divorce is a time of emotion and stress. Mary Pfeifer , My lawyer was professional and compassionate. She was very informative through the process. Her insight helped me in my decisions. She worked hard to obtain a settlement which was fair to both parties. Though, I hope I won't need her help again. It is reassuring to know a good person that is willing to help." - Rod S.

  • "I first came to Ms. Jacquelyn Lutz of Appelhof, Pfeifer and Hart in October of 2016. It was definitely the worst time in my life and she compassionately spoke with me about my options. Ms. Lutz thoroughly explained the laws, statutes, process and what to expect going forward. What was supposed to be one case, turned into three intricate cases that took a huge toll on me and my family. Ms. Lutz represented me in court on all three cases with a vast knowledge of the laws and how to proceed accordingly. During all three cases she kept me informed, calm, gave me resources to utilize, and (most important) gave me a realistic view of what may come next. Ms. Lutz knew each case required a great deal of knowledge and creative thinking on how to legally proceed forward with each case. My family and friends are forever grateful for the amazing representation by Ms. Lutz. I highly recommend Ms. Lutz for anyone needing or considering superb representation for any kind of family law. " - M.H.

AWARDS & RECOGNITION


superlawyers
Contact us

Quick Contact Form