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Will I lose my health insurance coverage when my divorce is finalized?

Many families elect to have Group Insurance coverage under a single spouse provided by their employer. This means one spouse is the primary policyholder of a medical insurance plan, and the rest of the family is covered under that one plan. During a divorce, the question arises as to how the other spouse, and children, will be covered by medical insurance.

Massachusetts law does allow the dependent spouse to remain on the insured spouse’s private employer-sponsored group plan after divorce and legal separation. However, this only applies to insured plans. This is why it is important to understand the type of coverage fulfilled by a policy.

For example, employer-sponsored group health plans may be either insured or self-insured. Insured health plan coverage is purchased from an insurance carrier or managed care organization (such as an HMO), by the employer. A self-insured (or self-funded) plan, on the other hand, places the financial risk for employee medical claims on the employee.

If the obligor spouse has employer-sponsored group health insurance that will cover the other spouse, a court order will be necessary to continue coverage for the dependent/non-subscriber spouse.

Under Massachusetts law, state insurance allows the dependent spouse to remain on the insured spouse’s private employer-sponsored group plan after divorce and legal separation. However, coverage typically ends when the obligor spouse remarries as plans generally will not allow the obligor spouse to cover both his new spouse and the dependent spouse. Coverage for the dependent spouse may also end when the dependent spouse remarries depending upon the terms of the obligor spouse’s employer-sponsored group plan.

For help managing the complexities of divorce, contact our expert attorneys who are well versed in Massachusetts family law.

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