how is health insurance calculated in child support


How is Health Insurance Calculated in Child Support?

When making a child support agreement, there are many factors to consider. One important factor is how health insurance will be calculated into the child support amount. Here is what you need to know.

Who Pays For Health Insurance?

The court will decide which parent is responsible for providing health insurance for the child. Generally, the parent who has access to health insurance at the least cost to them will be responsible for providing health insurance. However, it is important to consider the child’s best interest when deciding who should pay.

Calculating Health Insurance Premiums into Child Support

Once the court has decided who will be responsible for providing health insurance for the child, the premiums for the policy will be subtracted from the obligor’s income for the purpose of calculating child support. The less the obligor pays for health insurance, the more money they will have available to pay for other expenses related to their child, such as daycare and extracurricular activities.

Health Insurance Deductions for the Other Parent

The court may also require the other parent to pay a portion of the health insurance premiums. This is known as a “deduction from gross income”. The court will take into account both parents’ incomes when deciding what amount is fair for the other parent to pay. The court will also consider any other expenses the other parent is responsible for, such as daycare or other extracurricular activities.

Other Factors to Consider

It is important to know that there may be other factors that are taken into account when calculating health insurance in child support. Some of these factors include:

  • Age of the child: The older the child, the more expensive health insurance usually is.
  • Type of health insurance: Plans with greater levels of coverage tend to be more expensive.
  • Size of the family: The more people who are on the policy, the more expensive it tends to be.
  • Location: Health insurance premiums can vary based on where you live.


When calculating health insurance in child support, it is important to consider all of the factors mentioned above as well as the best interests of the child. Making sure that the necessary health care is provided for your child is a key part of making sure they have the best future possible.