If you are going through a divorce and are currently covered under your spouse’s insurance plan as a qualified beneficiary, you are eligible for COBRA insurance just like someone who lost or quit their job and lost health insurance coverage. Since you are getting divorced and no longer eligible under your spouse’s insurance plan, you will receive a COBRA insurance notification form from your spouse’s health insurance provider.  It is important that you make sure your spouse informs their company of this change.

Once this notification happens, you will have 60 days to decide if you will sign up to continue to receive health insurance under COBRA insurance laws.  That health insurance continuation coverage can last up to 18 months or until you qualify for another medical insurance plan. If you are employed, it is important to find out if you can enroll in your company’s insurance plan because it is very likely that it is cheaper.  Ask your employer how you can enroll and when you are able to do this.