Average Divorced Woman More at Risk Than Men on ACA Subsidy Ineligibility [Study]

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Online divorce service MyDivorcePapers.com (MDP) has conducted a study of annual divorce income among men and women and compared the findings to eligibility factors under the Patient Protection and Affordable Care Act (ACA, aka “Obamacare”). According to the new findings, the average divorced female could be more at risk to losing eligibility than the average divorced male.

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...a little more than 63 percent were women with an average annual income of $47,114.

Online divorce service MyDivorcePapers.com (MDP) has conducted a study of annual divorce income among men and women and compared the findings to eligibility factors under the Patient Protection and Affordable Care Act (ACA, aka “Obamacare”). According to the new findings, the average divorced female could be more at risk to losing eligibility than the average divorced male.

MDP Methodology

Out of 19,426 participants, who had recently decided to file for divorce, a little more than 63 percent were women with an average annual income of $47,114. Men, on the other hand, made up just over 36 percent of the survey and averaged $38,275 per year.

Furthermore, in close to half the cases, the participants’ marriages had no children involved (about 48 percent).

This data was compared to the ACA’s family subsidy breakdown available at Healthcare.gov (as of October 1, 2013). That breakdown is as follows:

  •     $11,490 to $45,960 for individuals
  •     $15,510 to $62,040 for a family of 2
  •     $19,530 to $78,120 for a family of 3
  •     $23,550 to $94,200 for a family of 4
  •     $27,570 to $110,280 for a family of 5
  •     $31,590 to $126,360 for a family of 6
  •     $35,610 to $142,440 for a family of 7
  •     $39,630 to $158,520 for a family of 8

Any persons meeting these criteria could be eligible to receive subsidy benefits to reduce the cost of healthcare. Assuming the average divorced woman makes $47,114 per year and her ex makes $38,275 (totaling $85,389), and the couple have no children, which again is the case more than 48 percent of the time, the couple would not receive any subsidies for the portion of the year when they were still together.

Furthermore, as singles, the average male divorcee (at $38,275) would fall in the range for an individual subsidy, while the average female divorcee (at $47,114) would just miss the limit and be forced to pay for the entire amount of the ACA coverage.

“Of course, these are averages,” said a representative from MDP. “Human beings aren’t averages, and it’s likely the women who would fall out of the subsidy range do so by significantly more than a dollar or two.”

Even so, the company suggests that men and women make sure they’re taking every available deduction to reduce their adjusted gross income (what ACA uses to determine eligibility), because unsubsidized premiums can be significantly higher than subsidized “to the point that you can make more money and take home less pay,” the rep said.

MyDivorcePapers.com is an acclaimed divorce papers service for individuals and couples hoping to spend as little time in an attorney’s office as possible. Serving all 50 states, the individualized divorce forms come with a 100% money-back guarantee of court approval. Customer service specialists complete all forms for the client, after which the forms are available through downloading or direct shipping.

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MyDivorcePapers.com
92 Argonaut, Suite 200
Aliso Viejo, CA 92656
(800)    604-2860

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Jason McClain
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