Divorce costs thousands of women health insurance coverage

by Diane Swanbrow

(Medical Xpress)—About 115,000 women lose their private health insurance every year in the wake of divorce, according to a University of Michigan study.

And this loss is not temporary: women's overall rates of health insurance coverage remain depressed for more than two years after divorce.

"Given that approximately one million divorces occur each year in the U.S., and that many women get through their husbands, the impact is quite substantial," says Bridget Lavelle, a U-M Ph.D. candidate in public policy and sociology, and lead author of the study, which appears in the December issue of the .

Lavelle conducted the study, which analyzes nationally representative from 1996 through 2007 on women between the ages of 26 and 64, with U-M sociologist Pamela Smock. Their research was supported by the U-M National Poverty Center.

Among the other key findings of the study:

  • Each year, roughly 65,000 divorced women lose all health insurance coverage in the months following divorce. Many women have trouble maintaining private insurance coverage because they no longer qualify as dependents under husbands' policies or have difficulty paying premiums for other sources of private insurance. And despite the divorced women often experience, many do not qualify for Medicaid or other .
  • Women insured as dependents on their husband's employer-based insurance policy are particularly vulnerable to loss of coverage after divorce. Nearly one-quarter of them are uninsured six months after divorce.
  • Women who have their own employer-based coverage are less likely than other women to lose coverage (11 percent vs. 17 percent) but they are not completely immune from loss of coverage because related to the divorce may reduce their ability to meet ordinary expenses, including their share of employee-sponsored health insurance.
"Women in moderate-income families face the greatest loss of insurance coverage," says Lavelle. "They are more likely than higher-income women to lose private coverage and they have less access than lower-income women to public safety-net insurance programs."

Lavelle and Smock also found that full-time work and education are important buffers protecting women from losing health insurance after divorce. But since many women work part-time, or in jobs that don't provide , the protective effects of employment are not universal.

"The current health care and insurance system in the U.S. is inadequate for a population in which multiple marital and job changes over the life course are not uncommon," Lavelle and Smock conclude. "It remains to be seen how effective the Affordable Care Act will be in remedying the problem of insurance loss after divorce, but the law has provisions that may help substantially."

In the meantime, tens of thousands of women lose their every year – in addition to all the other economic losses that accompany divorce.

More information: hsb.sagepub.com/content/early/… 46512465758.abstract

Related Stories

89 million people medically uninsured during 2004 -- 2007

Aug 09, 2012

Eighty-nine million Americans were without health insurance for at least one month during the period from 2004 to 2007, and 23 million lost coverage more than once during that time, according to researchers at Penn State ...

Recommended for you

Evidence plays limited role in OTC decision making

7 hours ago

(HealthDay)—For pharmacy graduates and tutors, evidence seems to play a limited role in over-the-counter decision making, according to a study published online Dec. 11 in the Journal of Evaluation in Cl ...

Shared medical appointments beneficial in geriatric care

7 hours ago

(HealthDay)—For older patients, a shared medical appointment (SMA) program facilitates early detection and referral for geriatric syndromes, according to an article published online Nov. 29 in the Journal of ...

User comments

Please sign in to add a comment. Registration is free, and takes less than a minute. Read more

Click here to reset your password.
Sign in to get notified via email when new comments are made.