Can I Stay On My Husband's Health Insurance After A Divorce? 
Generally a divorcee who is a covered dependent loses their eligibility for coverage on the date their divorce is legally granted . If the ex-spouse 's employer group is subject to the Federal COBRA regulations -LRB- 20 + employees -RRB- then a divorced ex-spouse can elect to continue coverage under that group 's health insurance plan . As a divorcee you could continue COBRA coverage for up to 36 months . If the ex-spouse 's employer has less than 20 employees then state continuation of coverage provisions would apply but these vary from state to state and generally run for a much shorter length of time . In any event , the person who elects to continue coverage is responsible for making the entire premium payment and this payment must be submitted in a timely fashion each month or your coverage can be terminated by the employer . Divorce is a `` qualifying event '' under the health care reform law and is a circumstance that will allow you to purchase individual health insurance either through the government health insurance marketplaces or outside of the government marketplaces -LRB- directly from an insurance agent or insurance carrier -RRB- outside of the annual open enrollment period . You have a 60-day window of time after your divorce is finalized to apply for individual health insurance coverage . 