For children of separated or divorced parents, who is typically considered to have the primary insurance coverage?

In the context of children from separated or divorced parents, the custodial parent is typically considered to have the primary insurance coverage. This is because the custodial parent is the one with whom the child primarily resides and thus has a more day-to-day responsibility for the child's needs, including healthcare.

When determining which parent's insurance plan will cover the child's medical expenses, the rules often state that the coverage should be provided by the custodial parent in order to ensure consistency in access to care. This approach simplifies the process of obtaining necessary medical services and claims on behalf of the child, as the custodial parent is generally more involved in managing those aspects.

It's important to note that while other factors might influence decisions about insurance coverage, such as the benefits included in each parent's plan or potential income levels, these do not generally hold as much weight as the custodial arrangement when it comes to assigning primary coverage responsibility.