are divorced spouses or step children eligible for coverage?

The eligibility of divorced spouses and stepchildren for coverage depends on the specific health insurance plan and the circumstances surrounding the divorce or the family relationship. In general, most health insurance plans allow a divorced spouse to continue coverage under the same plan for a certain period, typically 36 months, through a program called COBRA (Consolidated Omnibus Budget Reconciliation Act). However, the divorced spouse will be responsible for paying the full cost of the premium, which can be significantly higher than the cost of coverage when they were covered as a dependent under the former spouse's plan. Stepchildren, on the other hand, are not typically considered dependents under most health insurance plans, unless they are legally adopted by the employee or the employee's spouse. However, some plans may provide coverage for stepchildren under certain circumstances, such as if the child lives with the employee or the spouse, or if the child is financially dependent on the employee or the spouse. It's important to check with the specific health insurance plan to determine the eligibility of divorced spouses and stepchildren for coverage. The plan's summary plan description (SPD) or benefits handbook will outline the eligibility requirements and any conditions that must be met for coverage to be provided. In summary, the eligibility of divorced spouses and stepchildren for coverage under health insurance plans depends on the specific plan and the circumstances surrounding the divorce or the family relationship. Divorced spouses may be eligible for coverage through COBRA for a limited period, while stepchildren may or may not be considered dependents under the plan. It's important to check the plan's SPD or benefits handbook for eligibility requirements and conditions.