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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Ex-wife is Uninsurable

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Question: Husband company not insuring divorced spouse who is uninsurable

Answer: Your ex-husband’s employer no longer has an obligation to offer coverage to the ex-wife under the company’s group health insurance plan. In fact, the insurance company would not allow it even if the employer wanted to. However, the ex-wife does have some coverage options even if she is “uninsurable” due to pre-existing conditions. My first suggestion would be the Pre-Existing Condition Insurance Plan (PCIP), one of the early benefits of health care reform. It’s very good coverage at a fair price.

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