A, You need to check w/your insurance company to see what the rules are about separation/divorce. I kept my h on my plan until the divorce. However, had I wanted to be spiteful, I could have dropped him from the plan the day he walked out the door. Dropping him from your plan is something that you have to think about and consider the best course of action for yourself and your purse. At some point, you may need to point out to him that you are considering changing your plan during open season and since he's living on his own, he may need to get his own policy.
Yes, your h has it pretty darn good. He knows it and from what he's doing, he's stringing it along because he's stuck or is comfortable w/the way things are going, btw, that means nowhere fast w/him. It's time to shake things up a bit and discussing bills and your health insurance may be one way to do this. After all, you need to cut corners, but if you have the family plan, it won't make a difference in your premium....but the question is this, does he know how the plans work? Your h is living in a fantasy world of easy come, easy go and can bounce from your place to his and choose when or when not to visit w/his family. I honestly do not think he's realized just what a divorce entails or means after the ink is dry. For one thing, they think things will remain the same. In some instances, they do, but in others, they don't. Time for some lessons in divorce 101.
I do hope today is a better day for you. Hopefully he won't be having a pity party about his nightmares, etc. Sounds to me like his conscience was talking to him...loud and clear. It will be up to your son to tell his father not to call him. Those two are very stubborn and it will take a long time for that rift to heal and there's nothing you can do about it.
Take care of yourself.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
