Jess09 posted 8/20/2019 13:31 PM

Hi all, So my divorce was suppose to be final last week but of course he delayed it. Still trying to get away with paying me less than he should. Anyhow, I just started anew job and the health insurance wont kick in till November. What should I do for insurance once the divorce is final until my new job’s begins? I will lose his insurance at the end of August. I dont want to pay cobra. Have you or someone you know been in the situation and what did you/they do?

Brave30 posted 8/20/2019 13:45 PM

Have you looked into an ACA plan? Since you're losing your insurance, you might be able to file for a special enrollment. I had to do this when I lost my insurance following my D, and I couldn't afford the Cobra payment. I think there was a waiting period though, because you have to pay the first month ahead of time. So, I'm not sure if you would be able to secure a plan for September, or wait until October.

I'm sure a representative could answer those questions though, or it might be located on the website.

jadedangel posted 8/20/2019 14:10 PM

Why can't you continue the insurance as long as he continues to delay the divorce?

Jess09 posted 8/20/2019 17:44 PM

The divorce should go thru on Thursday. And then I lose insurance 9/1

Ratpicker posted 8/20/2019 21:17 PM

There are some programs that might apply to your situation. Search for terms: bridge health insurance and short term health insurance. If you have used the insurance this year and met the deductible already you should factor that into your financial considerations. If you pick up a new policy as of Sept 1, you would likely have to meet the deductible again. If you don't have medical issues and don't expect to have any before 2020 you could also consider a new plan with the high deductible to save on premiums.

Charity411 posted 8/21/2019 09:13 AM

If you can find a fairly cheap temporary policy, through ACA, you shouldn't need to wait until open enrollment. What you have is a life change event, which allows you to enroll in most insurance plans regardless of the month.

This applies when you lose the insurance you were on due to events out of your control.