TAGS

Family Law Blog

Who Pays for a Child's Health Insurance?

Thursday, September 17, 2020

The Affordable Care Act states that all children under the age of 18 must be covered by health insurance. However, that is not always as simple as it sounds, especially for divorcing parents. In many cases, the child will also be covered by the health insurance that a parent may get through their work. Even if the parents are divorced, the children will still be covered by the health insurance of choice or if the non-custody holding parent only has health insurance. Unfortunately, if neither parent has health insurance through their work, the coverage becomes a little more complex.

A Judge Decides

If neither parent can cover health insurance for a child post-divorce from their job, they will have to buy health insurance for their child. Unfortunately, this can be costly – as much as $1,000 per month. Who covers this cost? While mediation can negotiate splitting costs or help decide the paying party, if you take it to court, a judge will make the decision simple.

Healthcare for the child, under the eyes of the judge, is necessary for the support of the child. As such, it will typically be factored into child support payments. This means that the custody-holding parent will likely be responsible for finding health insurance for their child, but the support-paying parent will be paying for it with their monthly support payments.

This is not an ideal situation for the support-paying parent. Health insurance is expensive and the support payer may not be convinced that their huge support payment is really going to solid health insurance. However, if it is discovered that the custody-holding parent is not being aboveboard, they can be taken to court for it.

Learn More About Children's Health Insurance

Are you going through a divorce or have any other family law issue? We can help. Contact us today to see what the Law Office of Jamra & Jamra can do to help you get the best possible results.