With the future of health care being so uncertain, some Illinois couples planning to get a divorce have put the separation process on hold. Some spouses, especially those with pre-existing conditions, are worried that they may no longer be able to afford health insurance if the Affordable Care Act is repealed and replaced by the Better Care Reconciliation Act.
For those who want to put a halt to their marriage, there are a few options. First, they can finalize the divorce papers but hold off on getting the documents processed by the courts. Second, the couple could negotiate a post-nuptial agreement that spells out the terms of the divorce. While the couple remains married, there will be no need to go through the process again if they decide to finalize the divorce later on.
Those who wish to continue on with the divorce process should be aware that the uncertainty in future health care costs can have an impact on settlement agreements. In some cases, health care premiums and deductibles can be calculated into the amount of alimony or spousal support. For example, if the Better Care Reconciliation Act is passed, deductibles could increase to more than $10,000 in less than a decade.
Although the uncertainty surrounding health care makes the divorce process even more complicated and complex, a couple can still choose to dissolve their marriage. A divorce attorney could help a person understand what his or her situation may be like after the divorce is finalized. This way, the attorney may help determine how to negotiate a divorce settlement that allows the client to be able to pay for health care and other expenses.