when divorce accur, does the employer obligated to cover the employee's ex's health care insurance for 3 years with same Premium or the employee has to pay higer premium to cover ex? COBRA is way too expensive, how do you deal with it?
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The employee's ex would have a premium that would be the full cost to insure a person. The employer would be contributing nothing to the premium, so the total premium would probably be at least double what the employee was paying for the employee's coverage. The employer is not going to charge the employee a higher premium. As to who pays, well that could be negotiated as part of the divorce settlement. It's possible that the employee would have to contribute, or the ex might have to pay the full cost. Yes, it's expensive. The ex needs to find a job that offers employee health insurance.
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