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Your Health Insurance Options After a Divorce

Once you’ve finalized your divorce, you could find yourself without health insurance if your employer does offer a benefits package. The spouse who carries family health insurance will likely no longer be able to cover the dependent spouse, as he or she is no longer considered a “family member.”

If you are facing this challenge, there are several options for obtaining health care coverage:

  • COBRA coverage: COBRA is a federal law that allows a person covered under a health insurance policy to maintain coverage at his or her own cost for a certain period of time and with certain requirements. If you get divorced, for example, and your spouse had health insurance through his or her employer, the employer would be required to offer you COBRA coverage. You would have to pay the employer’s costs for that policy.
  • Coverage through your employer: If your employer does offer health insurance coverage, this is likely going to be the option you choose. It lessens your financial commitment and enables you to quickly become insured once again. However, you should make sure you carefully analyze exactly what type of coverage you have through your employer. Depending on your needs, it might actually be more sensible to go with COBRA.
  • Affordable Care Act coverage: If you do not have coverage through your employer, you may apply for health insurance under the Affordable Care Act through Minnesota’s health insurance marketplace ( As you go through the application process, you may also find out if you are eligible for federal aid.

To learn more about your options when it comes to health insurance and a variety of other issues after your divorce, speak with a knowledgeable Minnesota family law attorney at Appelhof, Pfeifer & Hart, P.A.

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  • "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.


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