Your real deadlines — no red countdown

Health insurance after a divorce

Map the coverage-loss window, the plan-notice step, and any continuation election period without assuming every case follows the same clock.

Event dossier · before the calculator

MedicalRecords.com Editorial · reviewed August 11, 2026

The facts to establish first

Potential trigger: Divorce can open a Marketplace window when it causes a loss of qualifying coverage; divorce without coverage loss does not automatically do so.
First action: Notify the plan as required and get the exact coverage-end date in writing before mapping a deadline.
Proof to keep: Keep the plan's coverage termination record and the divorce document requested by the Marketplace or plan.

Verify timing with HealthCare.gov's Special Enrollment Period guidance and, when continuation coverage applies, the U.S. Department of Labor COBRA guide. Rules depend on the event and notice; the calculator below does not replace the official eligibility result.

Map the dates you can verify

Your coverage map · No phone required

1 Event
2 Route

Three stops to a dated route.

Start with what happened

The tool calculates the federal loss-of-coverage window and, when the notice date is known, the COBRA election deadline. It does not estimate subsidy dollars without the ZIP, ages, income rules, and live Marketplace data needed to do that responsibly.

What changedQuestion 1 of 3

What is changing?

Choose the event that best matches your coverage loss.

Layoff or job lossAsk HR or the plan administrator when job-based coverage ends and when the COBRA election notice will be sent.Leaving a job or going freelanceConfirm whether coverage ends on the last workday or at month-end; the employment end date and coverage end date may differ.Turning 26 or losing dependent statusAsk the parent's plan for the exact coverage end date and whether federal COBRA or another continuation option applies.Divorce or legal separationNotify the group plan using its stated procedure; for some COBRA events the plan is not required to act until it receives proper notice.Another loss of qualifying coverageConfirm that the loss is involuntary and qualifies for a Special Enrollment Period before relying on the dates below.