Divorce & Health Insurance

Going through a divorce can be one of the most stressful and emotional experiences in someone’s life. Not only are you losing your partner and the dreams you shared, but also your sense of normalcy and routine. The future might suddenly seem very uncertain, and that includes uncertainty about the status of your health insurance. If you were on your spouse’s insurance plan, your children will still be covered, but you will not be once your divorce is finalized. Don’t worry, though, there are options available to you. Just make sure to look for a new plan within 60 days of losing your coverage.


A temporary, but expensive, option for coverage after your divorce is applying for COBRA through your spouse’s employer. The COBRA law allows you to stay on your ex’s plan for up to 36 months after your divorce. The downside is that employers do not contribute to the cost of COBRA premiums, so you will have to pay the full amount. This might be quite expensive for you, but it could be a useful stopgap until you find a private insurance or Marketplace plan.

Employer Coverage

If you are working and your company offers health insurance, contact your HR department to find out if you can get on your employer’s insurance plan. Because you lost coverage due to your divorce, you can enroll into a new plan without having to wait until the open enrollment period. Companies with 50 or more full-time employees may be required to provide health coverage to all full-time employees, so if you work for a large company, consider looking into their plan.

Individual Insurance

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Working with an agent gives you the ability to ask about any discounts or lower rate options available in your area that you might not be able to access on your own.

You can purchase your own individual health insurance plan for you or your family. You can purchase these plans over the phone or online with an EZ.Insure agent. Getting your own insurance plan will cost less than going with your ex’s COBRA plan, and it might offer more coverage. An EZ agent can sit down and go through all of the options with you, and compare them to the price and coverage you would receive through COBRA. Working with an agent also gives you the ability to ask about any discounts or lower rate options available in your area that you might not be able to access on your own. There are a variety of plans available, so there is no doubt EZ will be able to find you a plan that meets your needs and budget. 

Marketplace Insurance Plan

Normally, if you want to enroll in an ACA Marketplace plan, you have to wait until the Open Enrollment Period from November 1 – December 15. But getting divorced qualifies you for a Special Enrollment Period, which means you have 60 days after losing coverage to sign up for a new plan. If you fail to sign up for a new plan within 60 days, you will have to wait until the regular Open Enrollment Period to sign up. You can shop your state’s exchange for an ACA-approved “metal tier” plan, and possibly find a discounted rate based on your income and location. If you are considered low-income, then you might qualify for some subsidies to help you save money. 

Divorce is a devastating thing to go through, and losing your health insurance will only make things more stressful. EZ.Insure can make the process of getting covered less daunting, so that you have one less thing to worry about. Our agents are highly trained and can search for and compare insurance quotes within minutes at no cost to you. Our services are always free and there is never any obligation. Allow us to help you manage your health insurance needs during this difficult time – we promise to find you the best plan for your needs. To get free quotes online, enter your zip code in the bar above, or to speak to an agent, call 888-350-1890.

Peace of Mind: Offering Your Employees Cancer Insurance

It is one of the most dreaded words that someone can hear at the doctor’s office: cancer. When facing a diagnosis of this disease, a lot of people’s minds will race as they begin to worry about treatments, prognosis, and their family. But they will also, unfortunately, have to think very seriously about the financial impact of their illness. Since 1 in 2 men and 1 in 3 women will find themselves in this situation, it may make sense for you to offer cancer insurance to your employees.

The Cost of Care

While it’s hard to accurately estimate the average cost of cancer treatment, AARP puts the average cost at $150,000. Chemotherapy can run anywhere from $1,000 to $12,000 per month, radiation can cost upwards of $9,000 per month, and other treatments like immunotherapy can add $10,000 – $12,500 per month. 

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Chemotherapy can run anywhere from $1,000 to $12,000 per month, which no one can really afford.

Eleven out of the twelve cancer drugs approved by the FDA are priced at at least $10,000 per month. Even with the typical group health insurance plan, an employee with 25% coinsurance would have to pay $2,500 for a cancer drug that costs $10,000 a month. According to the U.S. Bureau of Labor Statistics, the average monthly salary for U.S. workers is $3,600. If this is the case, then employees hit with a cancer diagnosis could be facing bills that are 70% of their monthly income. 

AARP puts the estimated yearly out-of-pocket costs of cancer at around $4,000, and some groups put that number at upwards of $20,000. Unfortunately, these aren’t the only costs that those battling the disease will face. Surveys have shown that 50% of cancer patients were financially impacted by travel costs related to their disease, while a quarter cited hardships due to lost wages. All of this can lead to patients skimping on drugs, falling behind on bills, and struggling to feed their families. 

How Employers Can Help: Offer Cancer Insurance

There is a way employers can offer some peace of mind to employees worried that a cancer diagnosis could upend their lives. Cancer insurance is a supplemental policy that helps cover additional expenses that aren’t covered by a typical group health insurance plan. Costs to the employee will vary by age, location, etc but on average they will pay from $8 – $100 a month on top of their normal premiums. 

Types of Cancer Insurance Policies

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There are various cancer insurance options that you and your employees can choose from.

There are various options that you and your employees can choose from. The main types of cancer insurance policies are: 

  • Expense-incurred policy: a policy that pays a percentage of all covered treatments. These plans usually have a maximum dollar limit. Most of these plans require you to pay out of pocket, and will reimburse you.
  • Indemnity policy: similar to expense-incurred policies, except each treatment has fixed payout limits.
  • Lump-sum cash: with this policy, insurers will pay out a predetermined amount of cash, which can be used by the beneficiary in any way they choose. 

While the first two types of policies can be helpful in mitigating the overwhelming cost of cancer treatment, a lump-sum cash policy is the most flexible, as the money can be used for anything. Other plans will cover, to varying degrees, such cancer-related costs as: 

  • Copays and deductibles
  • Procedures and treatments
  • Doctor and hospital care
  • Travel and lodging
  • Everyday expenses (mortgage/rent, childcare, groceries, utilities)

As an employer, you may want to consider offering cancer insurance to your employees as an add-on benefit. Employees who feel they are at higher risk of being diagnosed with the disease, or have families dependent on their salaries, will appreciate being given the choice to expand their coverage. 

It is also important to remember that cancer costs working age adults $94 billion a year in lost wages, and cancer patients are 2.5 times more likely to declare bankruptcy as healthy people. It makes sense to offer protection to your workforce, especially since cancer insurance is relatively affordable as compared to other types of benefits.

If you need help with any aspect of offering health insurance benefits to your employees, EZ.Insure can help. Whether it be questions on what plan will work for your company, how much plans are in your area, or how to compare plans, we can do it all for you . Call 888-998-2027 to speak directly with one of our agents, or enter your zip code in the bar above to get free instant quotes. We will never sell your information to telemarketers as others do.