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The Health Insurance Headache

9 May

First of all, thanks to all who are leaving comments on our blog–they are so helpful and, often, give us food for thought for future blogs.

imagesRecently, a reader brought up the issue of health insurance : “Divorce causes major issues with health insurance benefits. Many families have employer provided and/or paid for health insurance benefits that cover the entire family. It is not uncommon to see situations where the other spouse is a stay at home parent, with absolutely no access to health insurance benefits, or employed at a job with either no health insurance benefits available or those benefits available at a substantial cost. After a divorce, the spouse with the family health insurance coverage can no longer cover the other parent. They are no longer “family” members who can take advantage of one health insurance policy. How to then ensure that everyone stays insured does become an issue for negotiation and/or divorce litigation.”

I thought the comment was well-put, and it’s something to which I hadn’t give a lot of thought. But, maybe I should have, especially considering my company doesn’t provide health benefits!

My understanding is that health insurance benefits are considered “income” that would be mediated during a divorce. However, the reader is correct in that, after a divorce, one spouse may not be considered a “family member” anymore. So, what kind of monetary value does one place on a health insurance policy that may not cover one spouse?

Whew–a lot to think about. I encourage your comments–they may even make it into our next blog!

Britt

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