How long can a divorced spouse continue to receive health insurance under COBRA?

A divorced spouse can continue to receive health insurance under the Consolidated Omnibus Budget Reconciliation Act (COBRA) for a duration of 18 months. This provision allows individuals who are covered by their spouse's employer-sponsored health plan to maintain that coverage after a divorce. The 18-month period starts from the date of the divorce or separation, subject to certain conditions.

It's important to note that while the standard period is 18 months, there are circumstances under which coverage may extend beyond this duration. For instance, if there are qualifying events occurring during the coverage period, such as a disability, the coverage might be extended. However, the base duration established by the COBRA regulations for divorced spouses remains at 18 months.

This understanding is significant for those navigating the financial implications of divorce, as health insurance can be a vital component of post-divorce financial planning. Knowing the COBRA time frame allows individuals to seek alternatives well before their coverage is set to expire.