How is health insurance calculated in child support

1. Not automatically included: The basic child support amount generally doesn't include health insurance costs.

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2. Considered an additional cost: If a parent covers the child under their health insurance, the cost can be added to the base child support obligation.

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3. Proof required: The parent seeking credit for health insurance needs to provide documentation of the premium cost.

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4. Divided proportionally: The additional cost is usually divided between parents based on their income percentages (not simply in half).

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5. Reasonableness considered: Some states have limits on the considered cost, often based on a percentage of the paying parent's income.

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6. Coverage type matters: Only the cost of adding the child, not the whole premium, is typically considered.

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7. Reimbursement potential: In specific situations, the non-covering parent might reimburse half the cost for uncovered medical expenses.

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8. State guidelines vary: Specific calculations and limitations differ significantly between states.

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9. Expert consultation advised: Due to complexities, consulting with a lawyer or child support agency is highly recommended.

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10. Focus on child's well-being: Ultimately, the goal is to ensure the child has access to necessary healthcare.

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