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Can I stay on my spouse's Health Insurance if I divorce him?
I live in Michigan, and he is employed with the Federal Government. I want to file for divorce (he cheated). But I need to know if I can remain covered on his health insurance policy through his employer.
11 Answers
- KitKatLv 61 decade agoFavorite Answer
I highly doubt it. Since you will be divorced and no longer his wife, I don't think you will be allowed to remain on his insurance. Kids are a different story, but ex spouses? Not likely.
- Anonymous1 decade ago
If you would normally get "alimony", you might be able to have your husband pay for health insurance. However, he wouldn't be able to keep you on his Federal Health Insurance policy (because the Federal Government..his employer pays a large part of the bill) and he would need to find you an alternative.
With-out "alimony" or the Courts having your husband pay your health insurance, you are again kicked off his health insurance but if you like you can join COBRA. Of course COBRA is expensive as hell (because there is no employer paying most of the premiums) that it is simply cheaper to find someone else on your own.
- The PadreLv 41 decade ago
If he's a federal employee, then your children, if any, may be able to remain on his insurance until they turn 18 (21 if full-time students or disabled) or until/if you remarry (then it depends on the policy), but you cannot unless the court ordered it (and even then probably not, since it's a federal regulation and a Michigan State divorce court.
- jzfoxLv 41 decade ago
Probably depends on the plan coverage details, but likely that most plans would not allow you to stay on spouse's plan if you are not married unless decreed by the court in the divorce proceedings. Even then, it usually would fall under COBRA and they'd just make him pay for the COBRA coverage. Otherwise you likely could only continue for a limited time under COBRA at a much higher (usually full) coverage cost. Call the insurance company you are on and find out your options for sure before you do anything.
- Little OllieLv 71 decade ago
I believe that you have the right to stay on his health insurance for a period of time then convert to your own policy. You have to pay for your coverage if you are divorced. Go have a consultation with a lawyer and check out all your concerns.
- 1 decade ago
No......after you divorce you are no longer a legal dependent of his....he may have to give you a small amount in maintenace but that is short term.....so you will have to seek out an get your own coverage once you two are no longer husband & wife.
- Anonymous1 decade ago
I've never heard of someone staying on his insurance after the divorce. I guess it depends on the insurance and the judge.
- Anonymous1 decade ago
No, he can claim the children, but not you. Insurance policies allow you to carry your children (biological, step or adopted) and your spouse. Since you will no longer be his spouse he is not able to carry you.
- 1 decade ago
No you cannot. Once the relationship connection is disolved, he doesn't have the ability to claim you anymore.
- IndyGirlLv 71 decade ago
NO. Just the kids.
Divorce means you're on your own -- you're not his problem any more and he's not yours.