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Reasons People Don't Have Health Insurance Coverage

A Covered Employee Under An Employer-Sponsored Health Plan Dies, Legally Separates, Or Divorces

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The covered spouse and dependent children may be eligible to purchase extended health coverage under COBRA for up to 36 months.

While checking with the employer and/or insurance company about this option, assume thatyou must notify the health plan within 60 days of your loss of dependent status in order to continue coverage for yourself and/or children. Most plans require eligible individuals to make their COBRA election of coverage within 60 days of the plan's notice. Check to verify the deadline for your plan.

If you've lost your group insurance due to a divorce or legal marital separation, your children may be eligible for coverage under your ex-spouse's health plan, even if they live with you. Check the plan. Also check with your attorney about who should pay the difference in premium.

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COBRA

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