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 North Dakota
North Dakota programs that fit what happened. Each agency decides who qualifies.
North Dakota Health and Human Services
Child Support
Child Support helps parents establish and manage child support orders and payments.
Ways to apply:OnlinePhonePaperIn person
North Dakota Health and Human Services
North Dakota Medicaid
Medicaid helps eligible North Dakota residents pay for health care.
Ways to apply:OnlinePaperIn person
North Dakota Health and Human Services
Children's Health Insurance Program
CHIP provides health coverage for eligible children in North Dakota.
Ways to apply:OnlinePaperIn person
North Dakota Insurance Department
Health Insurance Marketplace
North Dakota residents use the federal HealthCare.gov marketplace to enroll in individual health insurance coverage.
Ways to apply:OnlinePhone
North Dakota Health and Human Services
Supplemental Nutrition Assistance Program
SNAP helps eligible households buy food each month.
Ways to apply:OnlinePaperIn person
North Dakota Health and Human Services
Temporary Assistance for Needy Families
TANF provides temporary cash assistance and support services to eligible families with children.
Ways to apply:OnlinePaperIn person
North Dakota Health and Human Services
Child Care Assistance Program
CCAP helps eligible families pay for child care while they work, study or meet other approved requirements.
Ways to apply:OnlinePaperIn person
North Dakota Housing Finance Agency
Rental Assistance
NDHFA offers housing programs and rental assistance resources for eligible households.
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
- FirstLink 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