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What to Know About Health Insurance & Divorce in Canada

Updated: Jun 5

Divorce brings about many changes, including the need to re-evaluate health insurance coverage. At Divorce is Simple, we understand that navigating these changes can be overwhelming. As an online divorce mediation service operating in Ontario, Canada, our goal is to provide you with the necessary information and support to manage your transition smoothly.

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Understanding Health Insurance Coverage During and After Divorce

When a couple divorces, health insurance coverage is one of the critical issues that must be addressed. Here are some key points to consider:

1. Review Your Current Coverage

Start by reviewing your current health insurance policies. Determine who is covered under the plan and identify the primary policyholder. In many cases, one spouse's employer-sponsored health insurance covers the entire family. Post-divorce, the dependent spouse and children may lose access to this coverage.

2. Employer-Sponsored Health Insurance

If you are covered under your spouse's employer-sponsored health insurance, you may need to secure new coverage once the divorce is finalized. Some employers offer continued coverage for a limited period post-divorce, but this varies by employer. It’s essential to discuss this with the HR department to understand your options.

3. Ontario Health Insurance Plan (OHIP)

In Ontario, residents are covered by the Ontario Health Insurance Plan (OHIP). This public health insurance provides coverage for many essential medical services. Ensure that your OHIP coverage is up-to-date and includes your children. While OHIP covers many basic health services, it may not cover everything you need, especially supplementary services like dental or vision care.

4. Private Health Insurance Options

If you lose access to your spouse's health insurance, you may need to purchase a private health insurance plan. There are various private insurers in Ontario offering different plans based on your needs and budget. Private insurance can cover additional services like prescription drugs, dental care, and physiotherapy that OHIP may not cover.

5. Children’s Coverage

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Ensuring that your children's health insurance coverage is maintained throughout the divorce process is crucial. Both parents should discuss and agree on how health insurance for the children will be handled. This agreement should be included in the final divorce settlement to avoid any lapses in coverage.

6. Consult a Mediator

Health insurance can be a complex topic, especially during a divorce. Consulting a mediator from Divorce is Simple can help you and your spouse navigate these issues amicably. We can guide you through discussions regarding health insurance coverage, ensuring that both parties understand their options and responsibilities.

Steps to Take

  1. Gather Information: Collect all relevant documents related to your current health insurance policies.

  2. Discuss with Your Spouse: Have an open conversation about health insurance coverage during and after the divorce.

  3. Consult with Employers: Reach out to the HR departments of both spouses' employers to understand your options.

  4. Explore Alternatives: Research private health insurance plans and understand what additional coverage you may need beyond OHIP.

  5. Include in Settlement: Ensure health insurance coverage details are included in the divorce settlement agreement.

Why Choose Divorce is Simple?

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  • Expert Guidance: Our experienced mediators provide balanced and fair resolutions.

  • Cost-Effective Solutions: Benefit from affordable flat-fee pricing.

  • Personalized Support: Receive tailored guidance for your unique situation.

  • Confidentiality: Your privacy is our priority.

  • Convenient Online Services: Handle your divorce from the comfort of your home.


Navigating health insurance during a divorce can be daunting, but with the right information and support, you can ensure that you and your loved ones remain covered. At Divorce is Simple, we're here to help you through every step of the process, providing expert mediation services designed to make your transition as smooth and stress-free as possible.

Ready to get started? Book a consultation today to learn more about how we can assist you with your divorce and health insurance concerns.

By understanding your health insurance options and planning accordingly, you can protect your well-being and that of your family during this transitional period. Let Divorce is Simple guide you towards an amicable and efficient resolution.

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Disclaimer: The information provided does not, and is not intended to, constitute legal advice and instead all information, content, and materials available are for general informational purposes only. Divorce is Simple is not a law firm.

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