Heath Insurance and Divorce

Health insurance and divorce in ColoradoOne of the challenges that many people face when they are divorced is how and where to obtain health insurance.

There are many Health Plan carriers in Colorado.  A list of the carriers provided by the State of Colorado can be found at this link.

COBRA  (Consolidated Omnibus Budget Reconciliation Act) gives workers (and their family members) in organizations with 20 or more employees who lose their health benefits the right to choose to continue group health benefits provided by the plan under certain circumstances.  In a divorce or legal separation situation, you can receive coverage for up to 36 months.  You can be required to pay the entire premium for coverage up to 102% of the cost of the plan.  For more general information on COBRA, click here.

For specific information related to COBRA at your place of work, speak to your employer.

Colorado also provides some support to fill the gaps left by COBRA. If employers with less than 20 employers have a group plan, then spouses can receive up to 18 months coverage after divorce.  Click here for more info.

Affordable Care Act.  The tool at http://connectforhealthco.com/will help you find the health insurance best suited to your needs, whether it’s private insurance for individuals, families, and small businesses, or public programs that may work for you. It was created to help consumers under the health insurance reform law, the Affordable Care Act. 
Also, see the Subsidy Calculator for determining your eligibility for assistance with health insurance premiums if you are going to be purchasing health insurance through the insurance exchanges.  Subsidies are available for those households with family income between 100% and 400% of the federal poverty level.

More information.  COVERAGEforALL.org, the web site of the Foundation for Health Coverage Education, is designed to help people access health cover.  In five easy steps, you can find options specific to your needs.

And, finally….  Finding the right health care insurance that is afforded is complicated.  For help on individual  health insurance plans, both private and medicare, contact

John W. Hayden
Affordable Health and Life Insurance, Inc.
6125 E. 17th Ave Pkwy Denver, Colorado 80220

He can help you to find the plan that is right for you.

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