As many Ohio residents know, preparing for and going through the process of divorce can be a complicated and often overwhelming endeavor. Because there are so many details to take care of, insurance can be easily ignored. However, forgetting to plan for and prepare for the changes related to health care or life policies can have major consequences later on.
Health insurance is an important detail that should be addressed during the divorce process. In many cases, one partner is under the higher-earning spouse's employer-based health insurance program. After the divorce, the lower-earning spouse might continue with that insurance through COBRA. However, this option can be much more expensive. Furthermore, it's only a temporary solution that's available for up to three years after the divorce. A more permanent solution is to seek out personal health insurance, which should be available through the national marketplace. The 2010 Affordable Care Act made more accessible for people with preexisting conditions.