Where both parties maintain their own insurance through their employers, a divorce usually does not cause any issues. Issues tend to arise, however, in situations where one spouse is included on the other spouse’s policy. Once divorced, the spouse can no longer be included on the policy because the parties are no longer married. In such situations, the insurance policy usually provides a reduced-rate policy under COBRA for a certain number of months, but once that period ends, the spouse has to obtain his or her own policy.