Health care in the United States is a complicated issue in and of itself. Add Divorce to the equation and access to health care insurance becomes a bargaining chip in Divorce negotiations. With the Affordable Care Act, Divorce no longer requires one side to make financial concessions in order to keep health care insurance. The Affordable Care Act allows attorneys to better protect their client’s financial interests, as they no longer needto protect their client’s access to health care insurance.

When one party is the sole provider of the family’s income, that person is usually providing access to health care insurance through his or her employer as part of their employment benefit package. The breadwinner of the family now has an unfair advantage at the negotiating table. Individual Health Care policies purchased from the free market systems are exorbitantly expensive, have high deductibles and are frequently cancelled by the insurance provider without warning.

Since January 2014 the Affordable Care Act has made it possible for all Americans to have access to affordable health insurance. Pre-existing medical conditions are one reason some families stay together through bad situations. For those unhappy couples (particularly between 50 and 64 years of age with preexisting health conditions) you now have the option of dissolving the marital contract. Those pre-existing conditions are no longer a determining factor in keeping a bad marriage together.

When the employer’s insurance is adequate for all parties involved, COBRA might be the best option for the spouse that needs coverage. The cost of a COBRA policy varies depending on the employer. The COBRA party is responsible to pay the full cost of the premium plus a fee of no more than two percent. COBRA is limited to thirty-six months of coverage in the case of divorce or legal separation. When the thirty-six months of COBRA coverage runs out, a plan from the Affordable Care Act is available for purchase.

The employed spouse needs to provide COBRA information to the uninsured spouse he/she can compare their COBRA options with the Affordable Care Act coverdca. That will allow the uninsured party to compare plans and pick which plan will be best for their individual situations. The main variable when deciding on which health care insurance plan is best for you: Bronze, Silver, Gold or Platinum.

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