Affordable Care Act May
Benefit Divorced Couples
Though it might sound strange, divorce is becoming
more and more of a financial decision rather than a
relationship one—and some couples are considering it
as an option because of the Affordable Care Act, or
The reason is that the subsidized insurance premiums
will be lower for individuals rather than couples.
Whether this was purposeful by the Obama
Administration or not remains to be seen.
Theodore Enfield, P.A., a Miami family lawyer, today
announced that he will be taking cases for divorce for
various reasons, and for the first time including those
imposed by the Affordable Care Act. From financial
situations to child custody, domestic violence, and
prenuptial agreements in Florida, Theodore Enfield
provides guidance through all of the issues that are likely to
The Affordable Care Act mandates that all Americans
purchase health insurance, which unfortunately may not
benefit couples or other higher-income Americans. It has
been called a “wedding tax” and “divorce incentive” by
For a married couple in Florida, the annual premium for
health insurance is about $12,000. In some cases,
couples can save over $400 a month by divorcing and
having separate insurance; individual premiums are
only about $4300 per calendar year.
This strange reality of the new legislation seems clear:
it’s far more financially feasible to have an individual
health insurance plan than it is to have a joint one with
a spouse. This, of course, doesn’t include family plans,
which are on a different scale, and often do benefit
families of three or more.
The Henry J. Kaiser Family Foundation published a subsidy
calculator on their website that shows how much a premium
will cost for different people, with different incomes and
numbers of family members.
As a result of the new legislation, new individual health
insurance plans may be preferable to couples’ plans.
Divorce for struggling couples might therefore be
financially beneficial, as odd as it may sound.
Divorce attorneys can help divorcing couples find common
ground and some positivity in the transition. Legal
separation in Florida, while rare, can also help couples work
out their marriage or more seamlessly end it.
Theodore Enfield, P.A., one of the most
respectful Miami divorce attorneys can mediate family
law, or act as a family attorney.
Theodore Enfield also handles Florida prenuptial
agreements. Since every state has different legislation
regarding marriage and divorce, it is beneficial to get
advice from a local lawyer who has practiced law in
whichever state a client currently resides.
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custody, Miami family attorney Visit on