Who Pays Health Insurance In Divorce? 
It is common for married couples to have a husband/wife or family policy in place through one spouse 's employer . Once the divorce is finalized the non-employee spouse is no longer considered a dependent , and can opt to continue the plan as an individual through COBRA coverage . Coverage can continue for up to 36 months , but the premium costs may be much higher because the employer contribution is lost . In most cases each party is responsible for making their own premium payments for insurance . However everything is negotiable . 