I can just hear the groans now as I use those two words: Health Insurance. What issue is more controversial, more stressful, and more overwhelming for ANY family, if not health insurance? For single parents, getting adequate health insurance coverage for our kids and our families can be an incredible challenge and one of our big focuses as we look for adequate work and benefit packages…
Years ago, when I was negotiating my divorce settlement, I remember health insurance was a big topic. My ex-husband and I spent some time and detail figuring out what was going to be fair and reasonable when it came to keeping our three children covered. Initially, I carried the kids on my employee health insurance plan, even though it cost be a bit more money per month. A couple years after the divorce, my employment changed and he took a job where the benefits were better. He now carries the kids on his insurance and I pay for any co-pays or out-of-pocket expenses that come up. It may not be equitable every month down to the penny, but it is working for us.
Many single parents either work more flexible jobs with small businesses where health insurance isn’t available—or the rising cost of insuring dependents makes it incredibly tough to keep kids covered. And, many parents definitely don’t have “arrangements” like the one I have with my children’s father, or—even if there are written arrangements, the agreements aren’t being kept.
A single parent can get help—consider talking with your human resources department if you have one, or calling your state Department of Health and Human Services. There may be state health programs that your children qualify for, or you and/or your children may qualify for Medicaid. Also, a private financial advisor or independent insurance agent may also be able to help you negotiate the confusing world of health insurance. Just because your company doesn’t offer health insurance or you think you can’t afford it—don’t give up—there may very well be a program suited for your family situation.
Also: Single Parenting and Financial Assistance
Life Insurance Tips for the Single Parent