Divorce or separation
What to do first
- Check whose health plan covers you and your children, and what changes.
- Ask your state's child support office for help setting up support.
- If your income dropped, apply for food benefits, Medicaid or cash help.
- If you change your name, update it with Social Security first, then your ID.
- Get free legal help before you sign an agreement.
Talk it through
Tell us more about what happened. We answer first, then show the programs that fit, then ask a few questions to narrow it down.
Dates that matter
These windows are set by federal rules. Your state may have its own dates too, so ask the agency.
60 days
Health coverage
If the divorce or separation means you lose your health plan, you can sign up for a Marketplace plan. You have 60 days.
Source: HealthCare.gov60 days
Keeping a spouse on a job's plan (COBRA)
To keep COBRA for a spouse after a divorce or legal separation, the plan must be told. Plans set the deadline, but it can be no shorter than 60 days, so tell the plan within 60 days.
Source: DOL.gov
Help from Montana
Montana programs that fit what happened. Each agency decides who qualifies.
Montana Department of Public Health and Human Services
Child Support Services
Child Support Services helps parents establish and manage child support cases.
Ways to apply:OnlinePhonePaperIn person
Montana Department of Public Health and Human Services
Montana Medicaid
Montana Medicaid provides health coverage to eligible residents.
Ways to apply:OnlinePhonePaperIn person
Montana Department of Public Health and Human Services
Healthy Montana Kids
In Montana, CHIP is called HMK.
Healthy Montana Kids gives free or low-cost health coverage to children and teens.
Ways to apply:OnlinePhonePaperIn person
Montana Office of the Commissioner of Securities and Insurance
Cover Montana Marketplace Assistance
In Montana, the health insurance marketplace is called Cover Montana.
Cover Montana provides information and enrollment assistance for coverage through HealthCare.gov.
Ways to apply:OnlinePhoneIn person
Montana Department of Public Health and Human Services
Supplemental Nutrition Assistance Program
SNAP helps eligible households buy food using monthly benefits.
Ways to apply:OnlinePhonePaperIn person
Montana Department of Public Health and Human Services
Temporary Assistance for Needy Families
TANF provides temporary cash assistance to eligible families with children.
Ways to apply:OnlinePhonePaperIn person
Montana Department of Public Health and Human Services
Best Beginnings Child Care Scholarship
The scholarship helps eligible families pay for child care.
Ways to apply:OnlinePhonePaperIn person
Montana Department of Commerce
Housing Choice Voucher Program
Housing Choice Vouchers help eligible residents pay rent in housing they choose.
Ways to apply:PaperIn person
Checked on October 8, 2026
Federal help
These work the same in every state. Each agency decides who qualifies.
SSA.gov
A new name on your Social Security card
A new Social Security card with your new name is free. Change it with Social Security before you change your driver license or ID.
SSA.gov
Benefits from a former spouse
If you were married 10 years or longer, you may get Social Security on your former spouse's work record later on.
LSC.gov
Free legal help
Legal aid offices give free legal help to people with low income. Find the one that serves you with the Legal Services Corporation's search.
Centers for Medicare & Medicaid Services
HealthCare.gov
The federal marketplace for health insurance plans. Many people can get lower monthly costs based on their income.
Apply online at HealthCare.gov or by phone during open enrollment, or after a big change like losing other coverage.
Checked on October 9, 2026
Help near you
Find county and state offices near you, or call 211 to talk to someone about help in your area.
Talk to a person
- Montana 211
Free help finding food, housing, bills and more near you.
Call 211 - 988 Suicide and Crisis Lifeline
Call or text 988 if you are in crisis or worried about someone. Any time.
Call 988Text 988