Health Insurance


#1

My husband and I have been separated for a while, and our child and I are currently covered under his health insurance policy through his work. While we were married, I found out that I was basically uninsurable under private insurance due to a health issue and can only get insurance through a group plan that must carry me. I have been self-employed for 10 years and have no group policy available to me. Can my husband cancel my insurance without my consent? They are preparing to change their policy to a different carrier and I am concerned he won’t advise me that he’s making a change. I thought I recalled that I would have to sign to waive coverage under any policy he takes but I am starting to have serious concerns. Any advise would be appreciated.


#2

I’m sorry to hear about your condition. The answer to this question depends on the plan. Some plans will not allow a spouse to discontinue coverage for the other spouse before divorce, but others will allow the change. If they’re changing providers then this will likely be a new election and not a plan change. I’d suggest you should discuss this issue with him.