Final answer:
The provisions that give an employee's former spouse the right to exchange group insurance for an individual policy within 60 days of separation or divorce are COBRA and HIPAA.
Step-by-step explanation:
An employee's former spouse has the right to exchange group insurance for an individual policy within 60 days of separation or divorce under the Consolidated Omnibus Budget Reconciliation Act (COBRA) and the Health Insurance Portability and Accountability Act (HIPAA).
COBRA allows individuals to continue their group health insurance coverage for a limited period of time, usually 18 to 36 months, after certain qualifying events such as divorce or separation. This allows the former spouse to have access to the same insurance coverage they had during the marriage, but they are responsible for paying the full cost of the premium.
HIPAA provides additional protections for individuals who have experienced a divorce or legal separation. It allows individuals who were covered under their spouse's group health plan to enroll in an individual health insurance policy within 60 days of losing coverage due to divorce or separation. This ensures that the former spouse has the option to obtain their own health insurance coverage.