65 Madison Ave · Suite 420 · Morristown, NJ · 07960

¡Attention TAC People!

Press 'p' on your keyboard to make this palette go away.

Max width: 1200px
Color Hex R G B
Blue from Logo#003d65 0 61 101
Darker Blue#021020 2 16 32
Red from Logo#780500 120 5 0
Darker Red#400000 64 0 0
Gray from Modern Firm Site#f3f2ed 243 242 237
Bright, Light Blue#ccebff 204 235 255
Form Input Background Blue#accfe6 172 207 230
Slightly Darker Blue#002e4d 0 46 77
Slightly Darker Gray#e6e5e0 0 46 77
Darker Gray#cccbc7 0 46 77
Lighter Logo Blue#005c99 204 235 255
Login Link Blue#598fb3 89 143 179
Slighty Lighter Red#99150f 153 21 15
Slighty Darker Gray#b3b2ae 179 178 174
Hunter Green#013b23 1 59 35
Lighter Green #025935 ? ? ?
Beige Charcoal #1f1e1e ? ? ?
"Metallic Gold" #D4AF37 ? ? ?
"Darker Green" #012e1b ? ? ?

Health Insurance No Longer A Major Factor In Divorce

The Affordable Care Act is changing the way some people in New Jersey work through a divorce settlement and negotiate the end of a marriage. For example, during 2013, a couple could jointly earn too much to qualify for ACA credits. However, if the couple divorces the next year, one of them could possibly qualify if they don’t have much income because qualifying for credits is based on their own income, which can be as high as $45,960. The application process requires people to estimate how much they will earn in a year. If they earn significantly more than the projected amount, they could need to pay back some of the credits.

Some groups of people were nearly impossible to insure, such as those who had been out of the work force for a long time, those with preexisting conditions or some baby boomers. Even if they could find private coverage, they needed to pay outrageous fees, and the insurer could cancel the plan at any time. A lack of insurance meant that some people stayed married just to stay insured.

Previously, health insurance was a significant part of the negotiations for couples during a divorce settlement. ACA eligibility for all Americans means that is no longer the case, so couples no longer use insurance as a bargaining tool. COBRA, which covers people for three years, might be an option in some cases, but individuals in these situations have the option of comparing plans to determine what works best for them.

A person without health insurance was formerly at a disadvantage during a divorce settlement. A family lawyer might be able to help clients as they work out the division of assets when a marriage ends as well as answer questions about issues such as maintaining insurance after divorce.

Source: NPR, How A Divorce Can Boost Health Insurance Subsidies, Michelle Andrews, Jan. 28, 2014

Source: Philly.com, “Insurance no longer may hinder divorce“, Robert Calandra, March 03, 2014

Begin Your Conversation

  • Disclaimer: Contacting our firm via the internet does not create an attorney-client relationship. Please do not send any confidential information through this form.

Contact Our Morris County Office



Morristown / Morris County Law Office

65 Madison Ave

Suite 420

Morristown, NJ 07960

Morris County Mediation Office Map