If you were covered under a spouse's plan, a divorce means finding coverage of your own — often at an already stressful time. The good news: losing that coverage is a qualifying life event, so you don't have to wait for open enrollment. Let's find you a plan of your own, calmly and on your timeline.
Losing health coverage because of a divorce or legal separation is generally a qualifying life event. That typically opens a special enrollment period of about 60 days to enroll in your own plan, and coverage can often start the first of the following month. The clock usually starts when your coverage under your former spouse's plan actually ends, so it helps to know that date early.
The window is time-limited, and coverage can slip through the cracks during a divorce. Sorting it out early means one less thing to worry about — and no uninsured gap while everything else is in motion.
Now that you're insuring just yourself (and any dependents on your side), the math often changes in your favor. Because ACA marketplace subsidies are based on household income, many people qualify for savings they didn't when filing jointly. I compare marketplace and private under-65 plans, and — if it helps as a short bridge — COBRA from your former spouse's employer, so you can choose on real numbers. No fee, no pressure.
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Your special enrollment period is about 60 days and easy to miss during a divorce. I make sure you enroll in time, with no gap.
As a single household, your income often newly qualifies you for marketplace savings. I run the numbers so you know before you enroll.
Need coverage for kids on your side too? I find plans that fit your new household, not the one you're leaving.
One licensed person who handles this discreetly and at your pace. I'm paid by the carriers, not by you.
Yes. Losing coverage through a divorce or legal separation is generally a qualifying life event that opens a special enrollment window of about 60 days, so you can enroll in your own plan without waiting for open enrollment.
Usually about 60 days from when your coverage under your former spouse's plan ends. Coverage can often start the first of the following month, so acting early keeps your options open and avoids a gap.
Often, yes. Marketplace premium tax credits are based on household income, and many people qualify for more help once they're a single household. I run the numbers so you know before you enroll.
Generally not once the divorce is final, though COBRA from their employer can sometimes bridge a short gap at full price. I compare that against marketplace and private plans so you're not overpaying for the bridge.
No. There's no fee — I'm compensated by the carriers, not by you. You get a licensed advisor who lays out your options and handles enrollment, discreetly and on your timeline.
A quick, private call lines up a plan of your own — often with subsidies you didn't qualify for before.