The Hidden Health Insurance Trap That Can Make Divorce Unaffordable

Off the Fence with Karen Covy: Mastering Decision Making, Divorce & More

You don’t lose money in divorce because you’re bad at math. You lose it because you make huge financial decisions while you’re emotionally overwhelmed and financially uneducated. In this podcast episode, Leah Hadley, an accredited financial counselor, CDFA, and mediator, pulls back the curtain on the hidden health insurance traps and tax law changes scheduled to take effect in 2026 that may dramatically change your post-divorce financial future.

Leah explains how the tax and healthcare changes in the One Big Beautiful Bill Act may impact the amount you pay in taxes and, most significantly, in health insurance.

For example, experts are predicting that healthcare costs could increase by $1,000 or more per month in 2026 for those on marketplace insurance, making healthcare unaffordable for a significant percentage of the population. (… and that’s just ONE of the changes coming down the pike!)

On top of that, 2026 will bring tax law changes that, depending on your circumstances, can either make your financial future brighter or significantly more challenging.

Whether you’re just thinking about divorce or you’re already in the thick of it, understanding the changes that Leah explains in this podcast episode will be critical for your financial future.

About Leah

Leah Hadley is an Accredited Financial Counselor®, Certified Divorce Financial Analyst®, and Mediator who helps women navigate major life transitions with confidence and clarity. She’s the founder of Intentional Divorce Solutions and Intentional Wealth Partners, where she blends financial expertise with empathy to empower clients to make values-aligned decisions about their money and their future. Through her Intentional Divorce Insights podcast and workshops, Leah inspires women to create financial and emotional stability after divorce and beyond.

Connect with Leah

You can connect with Leah on LinkedIn at Leah Hadley and Facebook at Intentional Divorce Solutions. You can follow Leah on Instagram at Intentional Divorce Solutions, on YouTube at Intentional Divorce Insights and on her Podcast Intentional Divorce Insights. To find out more about Leah’s work, visit her website at Watch Her Thrive.

Karen Covy is a Divorce Coach and Consultant, Lawyer, Author, and Speaker who is dedicated to helping people make the best decisions possible for themselves, their families, and their future - especially in stressful times. You can check out Karen's videos on YouTube.
You can connect with Karen on LinkedIn, Facebook, Instagram, Twitter, and on her own website at karencovy.com.

챕터

1. Meet Leah And Her Mission (00:00:00)

2. From Teacher To Finance Pro (00:03:20)

3. Why Divorce Money Feels Overwhelming (00:07:40)

4. Decision Making When Emotions Run High (00:11:45)

5. Planning Early Beats Panic Later (00:16:30)

6. The “Big Beautiful Bill” And Healthcare (00:19:50)

7. Who Loses Subsidies And What To Do (00:25:10)

8. COBRA, Brokers, And Hidden Rules (00:29:00)

9. Temporary Tax Breaks For Tips And OT (00:34:10)

10. Year‑End Tax Planning That Matters (00:39:20)