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If I am separated but legally still married. Do I have to keep my spouse on my medical insurance.

Pittsburgh, PA |

I have been separated for 1 1/2 years. I have been providing medical insurance for my husband and want to remove him from my policy at open enrollment this December. Am I legally required to keep him on my policy? Or would I be held responsible for anything since we are still legally married.

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Attorney answers 1


That's going to depend on what you mean by "separated." If you're simply not living together and don't consider yourselves married, that's all well and good, but the law doesn't actually recognize such a state. You're married. You aren't under any legal obligation to have your spouse on your employer's health plan--you wouldn't even if you were married--but you might find yourself liable for his heath care expenses anyway.

If, however, someone has filed for divorce but the divorce is still pending, that's a different matter. A lot of the time, joint assets and debts stop being counted once the divorce is filed.

It sounds to me like you need to consult with a divorce attorney before you make any decisions here.

This answer does not constitute legal advice and does not establish an attorney-client relationship.

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