If you are losing health insurance because of a divorce or legal separation, it’s important to understand your options. Like marriage, or the birth of a baby, divorce is considered a change in household, or a Qualifying Life Event. This means it may qualify you for a Special Enrollment Period.
With a Special Enrollment Period, you can enroll in the Health Insurance Marketplace® outside of the annual Open Enrollment Period, the yearly timeframe when people can enroll in a health insurance plan for the next calendar year.
Divorce qualifies for a Special Enrollment Period only if you’ve lost your health insurance through the divorce or separation. If you were not insured before the divorce, or if you kept your health insurance after the divorce, it is not a Qualifying Event. However, you might qualify for a new plan if someone left your existing plan, or if your household income changed.
You have 60 days following the date the divorce is finalized to get coverage during a Special Enrollment Period.
To see if you qualify, and to find out if you can enroll in or change a plan for 2022, visit Healthcare.gov, then:
- Create an account or log into an existing account to apply and enroll.
- Preview plans and prices based on your income.
Your options will depend on a variety of factors, such as your employment status, personal finances and custody arrangements.
You may be asked to submit documents to confirm the loss of coverage.
We’re here for you.
Deciding which plan is best for you can be a big decision. We’re here to help you navigate by clearly explaining the coverage in terms you can understand. View plans at BCBSKS.com/cares or call us at 866-679-7824.