I'm going through a divorce

Q: Does divorce qualify me for a Special Enrollment Period?

Losing coverage through a divorce or legal separation triggers a 60-day Special Enrollment Period, and your new household income is often much lower, which can unlock larger monthly savings.

Does divorce qualify me for a Special Enrollment Period?

If a divorce or legal separation ends the coverage you had through a spouse's plan, that loss of coverage is a qualifying life event and you have 60 days to enroll in your own marketplace plan. Because household size and household income both change, the savings you qualify for usually change too, and many people find individual coverage costs far less than COBRA. It is also the moment to update life insurance: beneficiary designations, court-ordered coverage tied to a support or custody agreement, and a policy you own outright rather than one controlled by a former spouse.

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Special Enrollment Period windows and eligibility depend on your specific situation and documentation. This page is general information, not an offer of insurance or legal, tax, or financial advice.