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Get Covered Through a Spouse Health Insurance Plan

Another popular health insurance option is getting coverage through a spouse. This works in a few different ways.

If you are purchasing insurance on your own through the Health Insurance Marketplace or directly through an insurance provider, you can add your spouse to your plan. This will be more expensive but it may be a good option if you are not eligible for a job-based health insurance plan.

If you get health insurance through an employer, however, you may be able to enroll your spouse in your plan. Some companies may have restrictions when it comes to spousal enrollment, so be sure to read through the plan thoroughly before you sign up.

Keep in mind that if you and your spouse are both offered health insurance through your employers, it may be cheaper to enroll in the separate plans. This is because your employer may not help pay for your spouse’s premium the way they help pay for yours.

Finally, if you have lost health insurance coverage after a divorce, you may be eligible for COBRA divorced spouse coverage. However, this can be expensive. This is why some divorced individuals choose to enroll in a plan through the Health Insurance Marketplace.

ACA plans through the Marketplace are usually only available toward the end of the year, but going through a divorce qualifies you for a Special Enrollment Period, allowing you to sign up at any time.


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