Many families in Ohio are dependents under the husband/father's health insurance policy provided through his employment. When a couple divorces, the children may be able to remain on their father's health insurance policy, but an ex-spouse is usually not allowed to remain on the policy. It is possible that the parties can use the collaborative divorce process to find an equitable solution to this problem.

With all other factors being equal, those women who have access to their own health insurance plan through their own full-time employment have a better chance of maintaining health insurance after a divorce. However, there are often other factors that involved that may prohibit even some of these women from having health insurance. As a simple matter of fact, most people see a decline in their household income and assets following a divorce.

Not being able to afford health insurance coverage even when available is a prime factor in women not being insured post-divorce. Many companies will offer the ex-spouse COBRA, but it is often cost prohibitive. Still other companies may allow an ex-spouse to continue on their ex-husband's policy by paying a portion of the premium, but there is no guarantee that it will be affordable.

The collaborative divorce process involves using legal, financial, and even the assistance of mental health professionals to help a couple come to a mutually agreeable settlement when ending their marriage. Ohio couples who use this process are often able to work together and want to ensure that the settlement is fair to both parties. In this case, it may be possible to use this process to come to a financial arrangement that would give both parties the chance to afford health insurance coverage.

Source: redding.com, "Divorced women often lose health coverage," Shefali S. Kulkarni, Nov. 22, 2012