Medical insurance for me after divorce
I will be finalizing my divorce soon and will need medical insurance for myself since I will no longer be under my ex's. I was a SAHM and do not currently have full time employment. I am looking for recommendations of companies to contact and the best pricing for medical. If you have any tips or have gone through this and can give me some insight, I would really appreciate it. Thank you!
Feb 21, 2017
Parent Replies
You can get decent insurance through Covered California and since it's based on income and family size, you'll pay very little. I'm a self-employed single mom with a 5-year-old, making $45K, and I pay about $20/month for both of us on a PPO Blue Shield plan. The deductibles are high, but my needs are low, so it works for us. Their online application process is a little frustrating, so have a glass of wine next to your computer and you'll be fine.
Part of the divorce settlement is that he should cover you, at least for a period of time. You will have a very hard time getting insurance that is affordable until the next open enrollment window of the ACA. Where was your attorney in this?
You can still sign up for Covered CA. Per http://www.coveredca.com/apply/ "Medi-Cal enrollment is year round. Additionally, individuals who experience a qualifying life event may be eligible to enroll in private coverage through Covered California by applying for special enrollment." Your divorce and loss of coverage is a "qualifying lift event."