scroll top

When parents break up — whether by divorce, or separation or even if they never were a couple — typically kids stay mostly with mom and spend part-time with dads. Often, physical custody is a painfully contentious and expensive legal battle.

In my new book The 50/5o Solution: The Surprisingly Simple Choice that Makes Moms, Dads, and Kids Happier and Healthier after a Split (Sourcebooks), I explain how studies find that kids do best when parenting schedules are equal. Moms also earn more, dads are happier and more involved — and there is a smaller gender gap in married couples.

In this post, we’ll cover:

What surprised me most about 50/50 schedules

  1. Kids’ outcomes are the same as those who grow up with two married parents.
  2. Outcomes improve the closer to 50/50 the schedule is.
  3. Single dads are more engaged fathers in shared parenting schedules.
  4. Single moms with equal parenting earn more than those with sole or majority-time schedules.
  5. Communities where equal parenting is the norm experience lower rates of child abuse.
  6. 50/50 parenting laws are correlated with lower rates of domestic violence
  7. Equal parenting is correlated with lower conflict between the parents.
  8. Equal parenting benefits persist even when parents do not choose the schedule themselves.
  9. Equal parenting does not compromise either parent’s bond with the child.
  10. Equal parenting benefits apply to infants, babies and toddlers — including overnights.
  11. 50/50 laws for divorced families means more gender equality in married couples.

Book on the benefits of 50/50 parenting laws and culture

What surprised me most about 50/50 schedules

Happy co-parents loving their children, sharing parenting time 50/50

I spent more than eight years researching this topic, and my assumptions were challenged many times!

1. When parenting time is shared equally, kids’ outcomes are the same as those who grow up with two married parents.

Single dad hugging and playing with two young adoring daughters.

The closer the schedule is to 50/50, the better the kids fare in social, emotional, academic, and physical health outcomes — not just immediately but for the rest of their lives.

Researchers at University of Lausanne in Switzerland published in 2023 a meta-analysis of thirty-nine studies on shared parenting with a sample size of 1.5 million. They found that while children raised in nuclear families fared better than those in separated families, 75 percent of the time separated-family kids did just as well as those who grew up in homes with married biological mothers and fathers, but also much better than those raised by just one parent.

The Lausanne study factored in income and the presence of stepparents.

“Maintaining connection with both parents outweighs any potential drawbacks of moving between households and supports many countries’ policies around preference [shared-custody parenting] over [lone-custody parenting],” researchers concluded.

2. Child outcomes improve the closer to 50/50 the schedule is.

Learn about equal parenting.

Arizona State University child psychologist William Fabricius has been studying custody outcomes for three decades. “If a child from a divorced family has equal parenting time, they can have relationships with both their parents that are as good as those in intact families,” Fabricius said.

On the other hand, “If one parent is absent from the child’s life until every other weekend, for example, the child is at risk of thinking that that parent doesn’t really want to spend more time with me and…maybe I don’t matter that much to that parent.”

Even if there’s conflict, kids don’t have all those extra hours and hours away from Dad to worry that he is going to slip out. “We know from lots of research that these doubts set up chronic stress reactions that can damage long-term mental and physical health.”

3. Single dads are more engaged fathers in shared parenting schedules.

Middle aged black single dad helping his teen kids with homework.

This is easy to understand, but underscores the most powerful part of equal-parenting: Children benefit from the bonding that happens when they have significant time with their dads, know they have a home at both mom and dad’s house, and deeply feel the security that neither parent will leave them.

More on why single dads are often better dads

4. Single moms with equal parenting earn more than those with sole or majority-time schedules.

Single professional mom doing work and hugging her kids.

In my survey of 2,270 single moms, 86 percent said they are not reaching their full earning potential. Of those moms, 30 percent said the key to earning more is increased childcare, and 22 percent said more child responsibility sharing with their child’s father would increase their income. A full 87 percent of single moms said that if their kids’ father took on more parenting time, they could earn more money, and 30 percent said they’d be happier.

Other highlights that shine on the money and co-parenting connection include:

A few survey highlights include:

  • Moms with a 50/50 parenting schedule are 54% more likely to earn at least $100,000 annually than moms whose kids are with them most of the time (with “visits” with the dad). 
  • Moms with a 50/50 parenting schedule are more than three times (325%) more likely to earn $100,000 than single moms with 100% time with their kids.
  • Moms with 50/50 parenting schedules are more than twice as likely to earn $65,000+ than those with majority time, and nearly three-times as likely to earn that sum than moms with 100% parenting time.  
  • 13%, or 1 in 8, single moms have a 50/50 arrangement — and 98% of them are content with it.
  • 51% of single moms surveyed have their children 100% of the time.
  • Equally shared parenting is popular with single moms: The majority of single moms, 53%, either already enjoy a 50/50 schedule or wish they had it. 
  • 9 in 10 single moms say they could earn more money if they had more equality in their parenting time.
  • Moms with 50/50 parenting time are 34% more likely (23% vs. 15%) to say they feel “awesome and proud” of being a mom compared with moms who care for their kids 100% of the time.
  • About 70% of moms who have their kids 100% or majority time feel parenting gets in the way of self-care, vs just 50% of moms with 50/50 schedules.

5. Communities where equal parenting is the norm experience lower rates of child abuse.

Child abuse rates in Ohio counties with and without equal parenting norms.

National Parents Organization (NPO), the leading U.S. nonprofit advocating for equal parenting laws, assessed parenting guidelines in each of Ohio’s 88 counties for how likely they were to provide children with equal parenting time arrangements, giving them letter grades A through F.

NPO then compared these ratings against substantiated incidents of mental, physical, and sexual child abuse. Child abuse rates in counties that had an A or A-grade were half those with a D.

Researchers surmised that with less relationship conflict, less conflict spilled over to the kids in 50/50 communities. And “where two parents are equally engaged in rearing their children, neither is as likely to feel overburdened and stressed out by childcare responsibilities and both can serve as a watchful eye over the children’s well-being.”

6. 50/50 parenting laws are correlated with lower rates of domestic violence

Kentucky family court cases where domestic violence charges were filed, before and after equal parenting laws were passed.

In 2016, the Kentucky legislature passed the country’s first rebuttable presumption of equally shared parenting time when parents separate or divorce.

Since the law was enacted in 2017, Kentucky family court filings dropped by more than 16 percent despite the population increase within the state and the nationwide increase in divorce filings. Between 2017 and 2022, the number of domestic violence claims filed alongside family court filings fell by half.

7. Equal parenting is correlated with lower conflict between the parents.

Co-parents getting along, sharing parenting time equally with two young children.

When states pass laws requiring a presumption of 50/50 timesharing, the number of court filings decreases. Studies also find that when time is expected to be shared equally, and the legal system is not set up for parents to fight over days and hours of custody time, conflict goes down.

In Spain, after equal parenting laws were passed in 8 of the country’s 17 regions, the divorce rate remained steady, but those breakups were less contentious, according to Daniel Fernández-Kranz, lead researcher on the study and head of the economics department at IE University Business School in Madrid.

“In regions where shared-parenting laws were passed, divorce proceedings now tend to end with voluntary agreement between the parties, ernández-Kranz told me. “That is something you’d expect because when parenting time is presumed equal, the power between the partners is more balanced, and there is more incentive to reach an agreement and no go to court and face an expensive procedure with an unforseeable end result.

8. Equal parenting benefits persist even when parents do not choose the schedule themselves.

Couple talking with psychotherapist about divorce and coparenting.

Doesn’t 50/50 parenting only work for parents who already get along and chose an equal schedule? No, says the research. Even if a judge orders equal parenting or therapist strongly recommends it against a parent’s wishes, this schedule still benefits the child, studies find.

9. Equal parenting does not compromise either parent’s bond with the child.

Worried single mom snuggles her baby.

If a child is deeply connected to a primary caregiver, and thens suddenly the child starts spending half his or her time with the other parent, doesn’t that traumatize the kid? Isn’t that relationship with the mother hurt?

No, studies find.

10. Equal parenting benefits apply to infants, babies and toddlers — including overnights.

Single dad co-sleeping with newborn baby.

Arizona State University child psychologist William Fabricius has found that more parenting time—including overnights—when kids are three years old and younger predicts a stronger, more secure father-child relationship without harming the mother-child connection.

This was true even when the overnights occurred when the child was still an infant and regardless of whether the parents had low amounts of conflict or high amounts. Most importantly, the results held true even when the court had to impose the overnights with dad despite the mother’s objections. Those brutal newborn nights of little sleep are how you learn about your child and how you learn how to take care of a child even when every fiber of your being longs for rest. And for the kid, “that’s how the child forms an attachment to that parent and starts to recognize this parent as a consistent caregiver,” Fabricius said.

Federal stats about single mothers in the United States and internationally.

11. 50/50 laws for divorced families means more gender equality in married couples.

Co-parents getting along, sharing parenting time equally with two young children.

Since 50/50 parenting presumptions were passed in 8 of Spain’s 17 regions, gender equality in terms of work outside the home has increased when compared with communities where mothers still typically have primary care.

“We think that if mothers anticipate they might not have sole custody should she divorce, she may chose to stay in the workforce. Fathers might bond more with children knowing that in event of divorce he may retain joint-custody,” Daniel Fernández-Kranz said. “It changes the entire division of labor within household.”

Book on the benefits of 50/50 parenting laws and culture

The 50/50 Solution: The Surprisingly Simple Choice that Makes Moms, Dads, and Kids Happier and Healthier after a Split Paperback – March 26, 2024 (Sourcebooks)

The 50/50 Solution: The Surprisingly Simple Choice that Makes Moms, Dads, and Kids Happier and Healthier after a Split (Sourcebooks, March, 2024) is featured in Newsweek, Slate, NPR, used in testimony before the New Hampshire legislature, and more.

“A sharp and thorough take on divorce that’s grounded in research and the science of child development. Johnson thinks beyond an outdated and binary battle-between-genders framework, providing a comprehensive guide to coparenting that puts kids first.”

― Jordan Shapiro, PhD, Senior Fellow for the Joan Ganz Cooney Center at Sesame Workshop, Nonresident Fellow in the Center for Universal Education at the Brookings Institution, and author of Father Figure: How to be a Feminist Dad

More on 50/50 parenting when parents live apart:

50/50 parenting 101

Types of co-parenting

Co-parenting tips

If you want a smartwatch, don’t fall for clickbait advertisements that promise a free device. Often, those types of ads are just trying to steal your personal data. And if you actually get a free smartwatch by mail, it may be loaded with malware.1

To get a discount on a legit smartwatch or health tech device, start with your health insurance provider. In some cases, your device might be covered 100%.

In this post, we’ll cover the best ways to get a free or affordable smartwatch or fitness tracker, help you avoid free smartwatch scams, and discuss the benefits of owning one. We’ll also cover free fitness tracking apps you can use without a smartwatch.  

Keep reading to learn about:

What health tech devices are covered by insurance?

Health insurance plans that (may) cover health monitoring watches

Other ways to get a free or cheap smartwatch

Watch out for free smartwatch scams

What health tech devices are covered by insurance?

Depending on your insurance provider and level of coverage, devices like smartwatches and fitness trackers may be covered, since they can measure health data factors like heart rate and sleep patterns — and studies show that people who use these features are more likely to exercise and enjoy the experience2 and gain early awareness of health issues such as heart disease and movement disorders.3

However, smartwatch benefits are not often promoted on insurer websites. Information on perks like free smartwatches is readily available to current members of an insurance plan, but hard to find when you are shopping around for coverage on your own. If you are employed, get in touch with your HR representative during open enrollment to get the inside scoop or contact customer service for the health plan that interests you.

For example, the Devoted Health Medicare Advantage Plan of Greater Houston will reimburse members up to $150 per year to purchase an Apple Watch or other health tech device.4  

If you are at risk for certain health conditions, some insurance providers cover smartwatches or fitness trackers as an incentive to meet weight loss and other health goals. This is the case for people who enroll in the Lark Diabetes Prevention Program, which provides free Fitbit with participating insurance plans.5

To qualify for a free Fitbit with Lark, you’ll have to answer health questions to determine your level of risk for diabetes. Once accepted, you’ll have to be active in the program for 10 weeks and complete all activities to earn the Fitbit.

Keep in mind, providers may only authorize coverage for devices with FDA-cleared applications — those that accurately monitor or measure aspects of health like your heart rate or sleep patterns. The Apple Watch’s ECG app is an example of an FDA-cleared app.6

This news report talks about the benefits of having a smartwatch for your health:

Here’s a list of top health tech devices that may be covered in full or part by health insurance:

Apple Watch

Price range: $249-$1249+

Though the Apple Watch is one of the most expensive smartwatches you can buy, it also offers tons of features, including: 

  • Activity monitoring: Monitor calorie burn, activity, and how many times you stood up and moved each hour. Your device can also track how your body responds to different types of exercise through metrics like heart rate elevation.
  • Heart monitoring: Get notifications about irregular heart activity or generate an electrocardiogram (ECG) you can send to your doctor.
  • Sleep tracking: The Apple Watch can report on the quality of your sleep throughout the night, track your body temperature, and work with a connected iPhone to set sleep reminders.
  • Emergency alerts: If you have been in a car accident or have fallen down, the watch can connect you with first responders and notify your emergency contacts.
  • Communication: With a paired iPhone, you can make calls, text, see notifications for appointments, check the weather, and monitor daily task lists. Even if your kids don’t have an iPhone, they can call or text you with their Apple Watch.
  • Device recovery: You can use your Apple Watch to track the location of your iPhone, Airpods, or other AirTag-connected items.
  • Apple Music streaming
  • Apple Pay

Features vary by model, and insurance providers may specify which ones are covered.

FDA-cleared features include the ECG and AFib apps, which monitor heart rhythm, and the StrivePD app, which helps people with Parkinson’s track symptoms and manage treatment.7 

As far as compatibility, Apple Watches only pair with iPhones.


Learn how to make money testing products at home

Fitbit

Price range: $79.95-$399.99

Fitbit has been around since 2007 and is the OG in the health tracker space. The brand offers both fitness trackers and smartwatches with a variety of features like: 

  • Activity tracking: Track your steps taken and number of active minutes.
  • Heart rate monitoring: Check your current and resting heart rate, and set up notifications for any abnormal heart activity.
  • Sleep monitoring: Learn about your sleep cycles, breathing rate and blood oxygen levels to understand your overall quality of sleep and any potential health concerns.
  • Temperature checks: You can also keep track of your changing temperature during illness and to track ovulation. 
  • Stress management: Fitbit has apps to measure your stress response through changes in your body and offers mood logs and other stress management tools.
  • Hands-free purchasing: Fitbit Pay allows you to use your smartwatch to pay for items wherever the contactless payment symbol is shown.
  • Communication: Pair with your smartphone to accept or reject calls, use quick reply text messages, and read appointment notifications.

Devices have different features based on the model, and some include data directly on the device. You can unlock more features with a Fitbit Premium subscription for $9.99 per month. 

Fitbit was acquired by Google in 2021, so if you browse for devices on Fitbit.com, you’ll also see different Google Pixel Watch models. Devices are compatible with iPhone, Android and Google Pixel smartphones.

Like the Apple Watch, Fitbit also has some FDA-cleared devices and apps, including the ECG app with an atrial fibrillation (AFib) algorithm8 and the ARIA WiFi Smart Scale.9

Garmin

Price range: $79.99-$1,900+

Garmin, known for its GPS navigation devices, offers a large variety of smartwatches and activity trackers. The brand also has options to track movement and exercise for people in wheelchairs.

Garmin device features include:

  • Health and fitness monitoring: Track your exercise and movement on land or even in water, and manage fitness goals.
  • Sleep tracking: Look at your sleep data to learn more about the quality of your rest.
  • Heart monitoring: Garmin keeps track of your blood oxygen levels over time, tracks your heart at rest and during exercise, and alerts you when something is wrong.
  • Communication: Make calls and receive text messages through your device.
  • Solar charging and built-in flashlights

Garmin has more than 90 available devices, and they allow you to filter products on their site based on which features you want. Garmin also offers an FDA-cleared app called the ECG app, which monitors heart function and is useful in detecting AFib (abnormal heartbeats) on the Venu 2 Plus.10

Garmin also has devices specifically for children with a parent-controlled app and pairs with Android and iPhone smartphones. 

Other smartwatch brands

A quick search on Amazon shows there are thousands of options for wearable health tech devices including tradie smart watches — some for less than $50, like this Jawploy Fitness Tracker with blood pressure and heart rate monitoring that retails for $31.50:

Read customer reviews to learn about the customer experience with a particular device before you purchase.

If your insurance will help you pay for a smartwatch, ask if it must be a certain brand or model or if you have a choice of fitness tracker or smartwatch.

Health insurance plans that (may) cover health monitoring watches

When it comes to getting a free or discounted smartwatch, every insurer is different. If you have certain health conditions, you may automatically qualify, while other insurers will require a doctor’s prescription. 

Check out how these health insurance providers handle health tracking watches for their members:

Aetna

Aetna had a program (Attain by Aetna) where you could get a free Apple Watch, but it ended in late 2023. Now, the insurance provider offers a fitness reimbursement on select 2024 Medicare plans that includes fitness trackers like Apple Watch or Fitbit. 

Members are limited to one fitness tracker per plan year and must include an itemized receipt for the purchase.

Aetna also advertises discounts on health-related products and services. These discounts are not part of any Aetna plan, but are provided by third-party vendors.

How to get help:

  • Call 800-872-3862 or the number on your Aetna insurance ID card

Blue Cross Blue Shield (BCBS)

BCBS offers a program called Blue365 that provides the following discounts:

  • Up to 20% off Garmin devices
  • Up to 20% off Fitbit and Google devices
  • Up to 50% off select Fitbit, Garmin and Polar heart rate monitors

This program is free to join but is not offered on all BCBS insurance plans.

Each BCBS plan has its own options for reimbursement of health and fitness devices and services. So, check with your plan representative before you make a purchase.

How to get help:

  • Register for Blue365 with your member ID
  • Call the number on your BCBS insurance ID card

Cigna Healthcare

Cigna offers a Healthy Rewards program for individual and family health insurance plans. They offer discounts on wearable fitness devices, gym memberships, and more. For specific details about which health tech devices are included, you’ll need to access your Cigna account.

How to get help:

  • Log in to my.Cigna.com and check the Wellness category
  • Call 800-870-3470 or the number on your Cigna Healthcare insurance ID card

Kaiser Permanente

Kaiser Permanente offers its members ChooseHealthy, a program that provides discounts on activity trackers from Fitbit, Garmin and other brands. This program is not available to Medicaid members.

How to get help:

  • Visit Kaiser Permanente online, select your region and choose the Health & Wellness category
  • Call the number on your Kaiser Permanente insurance ID card

Medicare Advantage

If you have a Medicare Advantage plan, you may be eligible for a discounted fitness tracker or reimbursement when you purchase one. 

For example, Humana’s Medicare Advantage members with the over-the-counter (OTC) benefit can purchase a Fitbit from CenterWell Pharmacy online using an allowance on their Humana Spending Account card to save money.11

Other Medicare partners who offer access to free health trackers include:

  • Silver&Fit: Member can choose one wellness kit per year, such as a fitness tracker kit that offers a choice of a Fitbit or Garmin tracker
  • Wellcare: Provides one free Fitbit to members with a promo code from their insurer

How to get help:

  • Call the number on your Medicare Advantage plan ID card

UnitedHealthcare

The UnitedHealthcare (UHC) Rewards program allows members to earn money (up to $1,000 per year) by completing healthy activities. For example, you could earn $5.25 each week for walking 5,000 steps a day or $25 for completing a health survey. 

Funds are loaded on prepaid debit cards or into a health savings account (HSA), which you can use to purchase a smartwatch. 

How to get help:

  • Activate UHC rewards through the UnitedHealthcare app or at myuhc.com
  • Call the number on your UHC insurance ID card

Other ways to get a free or cheap smartwatch

Here are some other ways to get a smartwatch:

  • As a new wireless customer: If you switch to a new wireless provider, you may be able to get a free smartwatch or fitness tracker as part of an incentive program (As of May 2024, AT&T offers a free Pixel Watch 2 if you buy the Google Pixel 8a phone.)
  • Pay over time: Make monthly payments using an interest-free buy now pay later solution through  Amazon or by selecting  PayPal in 4 at checkout with participating stores
  • Rent to own: Use a business like BBB A+ rated Leaseville to rent your smartwatch, interest-free, starting at $10 a week until you pay it off.

Free Fitbit from the government

The All of Us Research Program from the National Institutes of Health (NIH) offers a WEAR Study where eligible participants can get a free Fitbit. 

You agree to use the Fitbit, and the study receives data from your device to gather information about your lifestyle.

Learn more about the WEAR Study.

John Hancock life insurance

John Hancock life insurance has two programs for its policyholders: Vitality Plus and Vitality Go. 

Through Vitality Plus, which costs as little as $2 per month to join, you can get an Apple Watch starting at $25 plus tax. Once you have it, you can complete exercises to pay for any remaining balance. 

With Vitality Plus, you are also eligible for discounts on smartwatches and fitness trackers. The free Vitality Go program also provides discounts on health tech devices.

Watch out for free smartwatch scams

Unfortunately, smartwatch scams target people who are looking for free or low-cost devices. There are some common scams to look out for:

  • You get a free smartwatch in the mail you didn’t request. It could be full of malware to take your personal information once you start using it.
  • Free smartwatch ads requesting payment for shipping — the device may never come, but the ad creator still gets your payment information.
  • You are being pressured to take action right away or you will lose the option to get a free smartwatch.
  • You can only pay with specific options like cryptocurrency, wire transfer, gift cards or by first depositing a check they send into your bank account.
  • You get a call, text message or email from a business or organization you know, but they are asking for information they should already know.

If a free smartwatch offer seems too good to be true or feels off, do some research. You can start by searching Google to see what others have said about the free smartwatch offer. Also, check forums like Reddit and resources like Quora before acting on an offer.

Some scammers try to make websites and emails look official, using logos and colors that look like legit business you already trust, so be cautious about clicking on links. When in doubt, contact that business directly to ask about the free smartwatch offer. 

To stay safer when browsing deals or downloading apps, many users rely on a best VPN for mac to help protect their data and avoid tracking on unsecured networks.

In these threads, Reddit users talk about smartwatch scams and how they handled them:

Verizon smartwatch scam, but smart watch was actually delivered in mail….
byu/Danvan88 inScams
Free SmartWatch Text Scam
byu/jbennett3 inScams

Check out our posts on other ways to get free and cheap technology:

Free smartphoneFree tablet
Free laptopFree wifi
Free internetFree cable
Free streaming

SOURCES

  1. “Workout with a Smartwatch: A Cross-Sectional Study of the Effects of Smartwatch Attributes on Flow Experience and Exercise Intentions Depending on Exercise Involvement” November 30, 2023. MDPI. https://www.mdpi.com/2227-9032/11/23/3074
  2. “Smartwatches in healthcare medicine: assistance and monitoring; a scoping review” November 3, 2023. NIH National Library of Medicine. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10625201/
  3. “Warning Issued to Troops Receiving Strange Smartwatches in the Mail” Jun 22, 2023. Military.com. https://www.military.com/daily-news/2023/06/22/warning-issued-troops-receiving-strange-smartwatches-mail.html
  4. “2024 Devoted Health Plans Summary of Benefits” August 30, 2023. Devoted Health Plans. https://assets.devoted.com/plan-documents/2024/2024-Devoted-GIVEBACK-Greater-Houston-(HMO)-SB-H7993-006-ENG.pdf
  5. “How do I earn a Fitbit in the Diabetes Prevention Program?” Accessed March 14, 2024. Lark. https://support.lark.com/hc/en-us/articles/360000658667-How-do-I-earn-a-Fitbit-in-the-Diabetes-Prevention-Program 
  6. “De Novo Classification Request for ECG App” August 14, 2018. Food and Drug Administration. https://www.accessdata.fda.gov/cdrh_docs/reviews/DEN180044.pdf
  7. “Apple Watches have Two New FDA-Cleared Health Applications” June 29, 2022. AAMI Array. https://array.aami.org/content/news/apple-watches-have-two-new-fda-cleared-health-applications
  8. “New Fitbit feature makes AFib detection more accessible” April 11, 2022. The Keyword. https://blog.google/products/fitbit/irregular-heart-rhythm-notifications/ 
  9. “Fitbit 510(k) Summary of Safety and Effectiveness” December 2013. Concurrence of CDRH, Office of Device Evaluation. https://www.accessdata.fda.gov/cdrh_docs/pdf13/K133872.pdf
  10. “Understand your body better with the new ECG App from Garmin” January 24, 2023. Garmin. https://www.garmin.com/en-US/newsroom/press-release/sports-fitness/understand-your-body-better-with-the-new-ecg-app-from-garmin/
  11. “Over-the-counter (OTC) allowance benefit” June 30, 2022. Humana. https://www.humana.com/pharmacy/over-the-counter-otc-benefits

With silver and gold’s record-breaking prices getting all the headlines recently, you may be digging through your drawers for old jewelry or flatware to sell.

However, it can be difficult to determine whether your items are plated, white gold, or sterling silver. They are all have value in the resale market, but it’s critical to know what you have to get the best price — and not get cheated.

For example, a sterling silver fork could be worth about $80 if you sell to a scrap silver buyer (as of early January, 2026). If it is silver-plated, that fork is worth no more than its service in putting food in your mouth. White gold, however, is priced the same as yellow gold — and gold prices keep hitting record highs, currently above $5,000 per ounce. A white or yellow gold wedding ring goes for about $200 at a local or online buyer.

Only pure and sterling silver or gold (white or yellow) is worth selling , while plated silver is typically not worth selling outside of a garage sale.

Whether you’re looking to sell or shopping for silver jewelry, keep reading for a list of key differences between silver plated, sterling silver, and white gold:

Ready to sell your silver? Our top choice for selling silver is CashforSilverUSA, sister site of CashforGold, which boasts an A+ BBB rating and price match guarantee.

Whether you’re looking to sell or shopping for silver jewelry, keep reading for a list of key differences between silver plated, sterling silver, and white gold:

Ready to sell your silver? Our top choice for selling silver is CashforSilverUSA, sister site of CashforGold, which boasts an A+ BBB rating and price match guarantee.

What is sterling silver?

Sterling silver is an alloy (a mixture of metals) made up of 92.5% pure silver and 7.5% other metals, typically copper or nickel, to increase durability. Just like 14k or 18k gold, sterling silver is blended with other metals to create longer-lasting products.

Sterling silver is also called 925 silver because of its 92.5% silver content. 

Sterling silver is the most common silver that you will see for silver, flatware, serving pieces and most silver coins. It is strong, durable, beautiful and has some resale value.

Difference between silver plated and sterling silver

Unlike solid sterling silver, items that have silver plating are made of another metal such as copper, brass or nickel, and are covered with a thin layer of silver. Candlesticks made of silver plating often have plaster or cork inside.

In flatware, plated silver is also called “Hotel silver.” Learn more about flatware values and reselling in this guide.

It is not worth it to silver buyers to buy silver-plated items, though you may find some interest at an antique or thrift shop.

How can you tell silver plated from sterling silver?

Silver-plated items are often marked with an EP, EPNS or A1, while sterling silver is marked with a 925 based on its 92.5% pure silver content. Sterling silver from the U.K. may also be stamped with marks that indicate where it was made:

Sterling silver hallmarks.
  • Lion passant = England
  • Standing lion = Glasgow
  • Thistle = Edinburgh
  • Crowned harp = Dublin
  • Image of Britannia = Britannia silver (which is 95% pure)

The United States and most of the world follow the standard of 92.5%, though France and some other countries have a standard of 95%, or 950 silver. Learn more about stamps on jewelry.

These are some key differences between silver plated and sterling silver items: 

Silver platedSterling silver
Not hypoallergenic, especially when combined with nickelHypoallergenic
May be slightly lighter in color, with more shineMay be slightly darker in color, with less shine
Tends to be heavier because of base metalsTends to be lighter
Less durable, since plating can chip and wear off, though the base metal underneath is considered more durable than sterling silverMore durable and scratch resistant

Pros and cons of silver plated vs. sterling silver

There are some pros and cons to buying silver plated vs. sterling silver jewelry and other items:

Silver plated vs sterling: Color

While their difference may be subtle and virtually unnoticeable, silver plating tends to be slightly lighter in color than sterling silver, with more shine. 

Silver plated vs sterling: Durability

Silver-plated items are more prone to chipping, scratching, and dulling, though the base metal under silver plating is considered more durable than sterling silver. 

Sterling silver can tarnish when exposed to certain elements like chlorine and household chemicals, though it’s easy to clean in a solution of baking soda, salt, white vinegar, and boiling water. Plated silver can be cleaned but may need to be replated.

Silver plated vs sterling: Scratch resistance

Sterling silver is more scratch resistant than silver-plated items. 

Sterling silver is easy to clean and polish, while silver-plated items will have to be replated to keep them looking new. 

Silver plated vs sterling: Cost today vs. resale value

Sterling silver items typically cost more than those with silver plating because of their high precious metal content. 

However, as far as resale value, sterling silver is worth 92.5% of the spot price of silver, while silver plating cannot be melted down for its silver content. 

November 12, 2026, silver futures closed at $50.07, compared with $30 at the beginning of 2025.

Sterling silver versus real silver

100% silver in its purest form is relatively soft, which makes it susceptible to marks and scratches. Silver bullion in bars or coins is typically made of pure silver, while sterling is an alloy, pure silver mixed with alloys, to make it stronger and therefore usable in flatware, coins and jewelry.

Is sterling silver real silver?

Yes, sterling silver is pure silver mixed with a small percentage of another metal to make it more wearable and durable.

Which is more expensive: real or sterling silver?

Real sterling silver is more expensive than silver-plated, but less expensive than gold and white gold.

November 12, 2026, silver futures closed at $50.07, compared with $30 at the beginning of 2025.

Check out our post on how to tell the differences between sterling silver and white gold.

Is silver cheaper than sterling silver?

No, silver is not cheaper than sterling silver, simply because it contains a higher percentage of precious metal content — close to 100% silver vs. 92.5% silver in sterling silver.

At a price of $79 per ounce (the going rate as of December 27, 2025), a 1-ounce piece of silver would be worth about $74, while a 1-ounce piece of sterling silver would be worth about $80.

What lasts longer: silver or sterling silver?

Sterling silver is more durable than 100% silver because of the other metals added to it. That’s why it’s commonly used in jewelry and flatware over pure silver — it holds up better to everyday wear and tear. 

While both may tarnish over time when exposed to elements like chlorine and household chemicals, they’re easy to clean in a solution of baking soda, salt, white vinegar, and boiling water. Both types of silver are also strong enough not to be broken with daily use.

Which is better: sterling silver or silver?

Based strictly on price, pure silver is more valuable than sterling silver. But unless you have silver bars or silver coins you want to part with, you’re more likely to have sterling silver in your china cabinet or jewelry box. 

That’s because sterling silver outperforms when it comes to durability, which is why it’s more commonly used for everyday items like silver flatware and jewelry.  

How to tell if silver is real

“Real silver,” and sterling silver can be vetted with these home tricks to ensure they are not plated silver, or another metal (or plastic):

How to tell if silver is real with ice

Because silver is highly conductive, it’s said to melt ice more quickly than other metals. If you put a piece of ice on the metal in question and on another piece of metal you know isn’t silver, the ice should melt more quickly than the other piece of ice if the object you’re testing is made of silver.

However, most silver enthusiasts say this test isn’t the most accurate, since a thick silver plating may produce the same results as sterling silver. Plus, other factors, like the size and thickness of the two objects you’re testing, can affect results.

Tip: The ice test isn’t a full-proof way to test if something is silver plated.

How to tell if silver is real with a lighter

Real silver turns black over time. You can speed up this process to test for silver by holding a lighter to its surface or by dipping it in vinegar. However, silver plating can also turn black using these testing methods, so you may have to scratch its surface first to test the metal under the outer surface. 

Tip: The lighter test isn’t a full-proof way to test if something is silver plated.

How to tell if silver is real with acid

There are acid test kits available on Amazon to test for sterling silver vs. plated silver. When you drop acid on the silver plating, it’s stripped away to reveal the metal underneath.

Tip: You can buy an at-home acid test to check for silver plating.

This precious metal tester kit from Amazon is available for $21.49.

How to tell if silver is real with a magnet

Real silver is not magnetic. If you hold a magnet up to the object in question and it sticks, it is not sterling silver. However, silver-plated items made of copper and brass also will not stick to a magnet, so this test may only work on silver-plated nickel or other magnetic metals.

Tip: The magnet test is only effective on silver-plated nickel.

If you want to make sure what you have is sterling silver, you can bring it to a local jeweler or silversmith, who will likely perform a professional acid test or examine the metal for indicative markings.

Search for local jewelers:

google-maps-usa-image

Search for silversmiths:

google-maps-usa-image

This video goes over some of the ways to identify sterling silver vs. plated silver cutlery: 

5 silver bar buyers where you can sell silver

These are some other tips for testing silver from Reddit:

what’s the best way to quickly check if silver is real?
byu/PuertoRock007 inSilverbugs
Comment
byu/PuertoRock007 from discussion
inSilverbugs
Comment
byu/PuertoRock007 from discussion
inSilverbugs

What is the difference between sterling silver and white gold?

Sterling silver and white gold are both alloys (a mixture of metals), but they’re made up of different metals: 

  • Sterling silver = 92.5% pure silver + other metals (typically copper or nickel) 
  • White gold = 58.3%-99% pure gold (varies) + other metals (typically silver, nickel, palladium, or zinc)

White gold is also usually plated with a layer of rhodium (a rare platinum group metal), which gives it its white appearance and prevents the gold from scratching. 

What’s the difference between sterling silver and 14k white gold?

Sterling silver is made up of 92.5% pure silver, and 14k white gold is made up of 58.3% pure gold. Both are mixed with other metals to increase durability. 

Sterling silver vs white gold: Color

Sterling silver is typically slightly brighter white than white gold. Unplated white gold may also have a slightly yellow sheen from its gold content. 

Sterling silver vs white gold: Durability

Because it’s often plated in rhodium — which makes it resistant to scratches and dents — white gold is considered more durable than sterling silver.

Sterling silver vs white gold: Scratch resistance

Rhodium plating on white gold makes it more scratch resistant than sterling silver, though it must be replated every six months to a year to retain its appearance and protective quality, according to New York City jeweler Frank Darling.

Sterling silver vs white gold: Maintenance

Both sterling silver and white gold need regular maintenance to retain their optimal appearance: 

  • Sterling silver: Sun exposure, lotions, makeup, chlorine, cleaning products, and more outside factors can cause sterling silver to tarnish. To keep your sterling silver in tip top shape, make a paste of baking soda and water and lightly scrub your jewelry with a cloth, or place your jewelry in a mixture of ½ cup of white vinegar and 2 tbsp of baking soda for a couple of hours.
  • White gold: If you want your white gold to maintain its pure white appearance, you should have it re-plated in rhodium every six months to a year, which typically costs between $50-$100, depending on the jeweler and how thick the plating is. 

Sterling silver vs white gold: Cost today vs. resale value

While sterling silver costs significantly less than white gold and it has a lower resale value. This post details the difference retail and resale prices of yellow vs white gold. 

These two nearly identical wedding bands from Zale’s have a price difference of almost $6500: 

silver wedding band at zale's

I

white gold wedding band at zale's

f you’re not sure whether your jewelry is sterling silver or white gold, you can have it evaluated by CashforGoldUSA.

Where to sell real and sterling silver

This post details top silver buyers, while these articles detail our writer’s investigation into selling jewelry to pawn shops and local scrap gold buyers.

Our top choice for selling sterling silver is CashforSilverUSA, sister site of CashforGold, which boasts an A+ BBB rating and price match guarantee. We also like CashforSilver because:

  • Payouts within 24 hours of offer acceptance
  • 10% bonus if you send in your silver within a week of receiving your mailer
  • Free shipping label and insurance up to $150,000
  • Risk-free cancellation and free shipping back to you

CashforSilver accepts all forms of silver, gold, platinum, diamonds, and gemstones, including:

  • Silver coins
  • Silver jewelry
  • Scrap silver
  • Silverware
  • Silver flatware

Like most buyers, this company does not accept plated silver.

CashforSilverUSA does not buy plated items. Read our review of sister site CashforGoldUSA.

Get a free quote from CashforSilverUSA today >>

Who buys silver plated?

Unless you have a large quantity of silver-plated items — like silver-plated flatware, platters, or dishes — you likely won’t get much, if any, money for them. However, these are some places where you can sell silver-plated items, especially if they hold value as a collector’s item: 

  • Pawn shops
  • Auction houses
  • Online marketplaces like ebay and Craigslist
  • Facebook Marketplace
  • Antiques dealers
  • ebay
  • Some online precious metals buyers if you have large quantities of silver-plated items

You can also donate your silver-plated items to a thrift store, though you won’t be paid, but may qualify for a tax deduction. 

If you’re asking “Where can I sell silver-plated items near me?” or “Who buys silver plated stuff near me?” you may be able to find a local pawn shop or antiques dealer to buy your items depending on their age, make, and quality.

Search for pawn shops:

google-maps-usa-image

Search for antiques dealers:

google-maps-usa-image

Who buys white gold?

Most gold buyers — online and “near me” will also buy white gold, as well as any sizable diamonds they may contain. Learn more in our guide to selling gold.

While silver prices are strong, gold of all colors is at a record high.

Is plated silver worth anything?

Plated silver may be worth money as a collector’s item depending on its make, age, and quality. However, plated silver is not typically worth money for its silver content, unless it’s sold in large quantities.

Does silver plated tarnish?

Yes, silver-plated items can tarnish over time. You can try cleaning the pieces with jewelry polish or soak them in a mixture of baking soda, salt, white vinegar, and boiling water.

Does silver plate wear off?

Yes, silver plating does wear off over time. You can take your item to be replated at a jeweler or try an at-home solution.

What is better, silver-plated or sterling silver?

In terms of resale value, durability, and longevity, sterling silver is better than plated silver.

Do white gold and sterling silver look the same?

At first glance, white gold and sterling silver do look almost the same, though sterling silver may be a slightly brighter white. If it isn’t plated in rhodium, white gold may have a slightly yellow appearance.

What’s better white gold or sterling silver?

White gold is stronger and more scratch resistant than sterling silver, though it does cost more money.

Does sterling silver or white gold last longer?

Because of its rhodium plating, white gold is more durable and therefore may last longer than sterling silver with regular replating.

Is sterling silver worth more than white gold?

In terms of resale value, white gold is worth more than sterling silver because the price of gold is higher than the price of silver.

Despite their reputation as shady operations that want to take advantage of unassuming customers, many pawn shops are reputable businesses with deep roots in the communities they serve.

If you’re in need of quick cash and have jewelry to sell, a local pawn shop can be a solid option to sell jewelry, gold or silver the same day — or secure a loan using your jewelry as collateral.

This is a unique time to pawn or sell jewelry: Diamond prices are at an all-time, rock-bottom low, while gold and silver have never been more valuable. Meanwhile the job market and inflation mean that many people really need cash.

In our experience, payouts from a reputable pawn shop are in-line with what you’d make from a local or online jewelry buyer (keep reading for details). 

Before you sell, look for pawn shops in your area with positive reviews on Google, the Better Business Bureau, and Yelp, and seek recommendations from people you know. Also, be sure to negotiate any deal you make. Details on how to negotiate below!

In this post, we’ll help you understand:

If you aren’t in a hurry to be paid, get quotes from multiple pawn shops, jewelry stores and gold buyers, including top-rated online buyers, who offer a more discreet process for selling and highest-price guarantees.

What are pawn shops paying for jewelry?

Pawning jewelry will get you quick cash, but not always the highest payout. Spend just a little more time and get quotes from multiple gold buyers to guarantee you get the most money possible.

We recently sent a North Carolina based writer named Melinda Burris to research different options for selling gold. 

Melinda purchased six of the same 7.5-inch Italian 10k gold bracelets from Macy’s, which were on sale for $200 each, plus tax. Her assignment was to sell to several online gold buyers, a local jewelry store, a local cash-for-gold storefront, and a local pawn shop.

10k gold bracelet from Macy's.

She visited two pawn shops near her home in Raleigh, since the first was not currently accepting new items. This was her experience: 


Carolina Trade and Loan

I went to a pawn shop called Carolina Trade and Loan to find they were not taking new items at this time. I was told pawn shops do this at times when their inventory or amount owed for loans is too high. 

So, a valuable lesson was learned: Call before you go.

National Pawn

When I went to National Pawn on Saturday, March 30, I was greeted and taken to a booth where the bracelet was examined. They used the most recent spot value of $62.86.

National Pawn shop in Raleigh, N.C. where our writer sold a gold chain bracelet.

The rep did a chemical test on the bracelet because she believed it to be 14K rather than 10K. Her manager came over and did the test again and determined it was indeed 10K.

He asked what I was looking to get out of the piece, and I replied $100, noting once again that the piece was new. He offered $50 cash and would not negotiate further. 

However, he and his assistant were very professional and I felt comfortable discussing the piece, its value, and negotiating a price. To complete the transaction, I had to show a photo ID. As I was leaving, the manager called after me and invited me to return at any time.

Final offer: $50

Percentage of spot gold price: 79.5%


This is how National Pawn stacked up against the other gold buyers Melinda sold to: 

Gold buyerBBB ratingBusiness typeFinal offer% of spot gold price*
CashforGoldUSAA+ (accredited since 2020Online gold buyer$41.4967%
Raleigh Gold JewelryA+ (accredited since 2008)Jewelry store$4064%
National PawnA+ (not accredited)Pawn shop$5079.5%
JewelRecycleA+ (accredited since 2009)Local gold buyer$5180%
*Percentage based on high spot gold price on the date the offer was made. 

Different pawn shops and gold buyers may offer you more or less money for your jewelry, depending on factors such as:

  • Market size/competition
  • Current market value of gold
  • Demand/saleability of the item you’re selling

At the end of the day, however, a pawn shop and any gold or jewelry buyer is a business, and they will offer you whatever they want to offer you for your jewelry or gold — or they may not be interested in buying it at all. If you have any receipts, certificates, or other paperwork to verify the value of your jewelry, bring them with you when you sell. 

Note that some jewelry pieces, like those from luxury brands like Tiffany or Cartier, have value beyond their precious metal content — which means you may have a better shot at selling them to a local jeweler or even an online jewelry marketplace like Worthy or myGemma. 

See this Reddit thread: 

Comment
byu/justanotherfuccboi from discussion
inAskLosAngeles

Before you pawn jewelry, spend some time learning about the market value of your diamond or any gemstone in your jewelry (gemstones and pearls have very little resale value, though the gold in which they are set always does). Since a certified lab report is expensive and time-consuming, a visit to a local jeweler can help you understand the value of your item.

Pawning diamonds, wedding rings, engagement rings

Diamonds in general do not hold their value the same way gold and silver does.

Expect less than 20% of today’s retail value of your diamond at a pawn shop, or other diamond buyer. This chart shows how diamond prices have plummeted almost 85% since 2022. Consumer trends and lab-grown diamond popularity are to blame.

This Reddit user detailed a poor experience trying to sell a $2,000 engagement ring to two different pawn shops:

Comment
byu/FPierce from discussion
inNoStupidQuestions

Check out our posts on how to sell diamonds and how to sell engagement rings. 

Pawning gold

The price a pawn shop, or any gold buyer, will pay for gold is based on today’s gold price, minus their commission — which could just be whatever they feel like paying you. 

The price a pawn shop will pay for scrap gold vs. gold jewelry may be the same if they plan to melt down the jewelry for scrap (such as most gold jewelry, dental gold and gold bullion), or a slightly higher price per gram if the pawnshop plans to resell the gold jewelry as-is.

Broken jewelry is often bought for scrap, but is sometimes repaired and resold.

For example, if a pawnshop owner assesses a broken gold chain at today’s spot price, and believes he can sell it for scrap for $300, he may take a 30% commission — $90 in this case — and offer you $210. You should always negotiate with a pawnshop.

Gold is currently sitting near record prices of $4,500 per ounce, so now is a great time to sell. Learn more about how to sell gold.

However, if you have branded jewelry or a piece that is currently in style, it can be worth more than its precious metal content. Check out our posts on selling luxury jewelry brands: 

Pawning pearls

If you want to sell jewelry with pearls, a pawn shop is likely more interested in any gold content of the clasp, chain or setting, as nearly all pearls have zero resale value — no matter where you try to sell.

Learn more about how to sell pearls.

Pawning silver

Like gold, pawn shops are most likely interested in silver jewelry for its precious metal content, unless it is from a sought-after brand. You will likely be paid a percentage of the spot price of silver. 

November 12, 2026, silver futures closed at $50.07, compared with $30 at the beginning of 2025.

If you have rare silver coins or sterling silverware, a pawn shop is a solid option for immediate cash. You can also sell to an antique dealer, coin dealer, silver exchange, local jeweler, or through an online silver buyer. 

Learn more about how to sell silver.

Pawning watches

Before you sell a pawnable watch — like a Movado, Rolex or Tag Heuer — get an appraisal from a jeweler, watch dealer, or antique/estate jewelry dealer or compare prices of similar watches online to understand what your timepiece is worth. Other watches may be valuable for their gold content.

While most pawn shops will buy watches with dead batteries, you should replace them before selling if you can. A pawnbroker will likely want to make sure your watch is not broken before purchasing. 

You can find inexpensive battery replacement kits and watch batteries on Amazon. 

If you have a luxury watch, you may fetch a higher price selling via an online consigner or jewelry marketplace like Worthy. Learn more about how to sell watches.

For short-term cash without selling, consider specialized Rolex watch loans that provide fast funding, top offers based on model and condition, and a fully insured, discreet process while your timepiece is stored securely. Having your box, papers, and recent service records can help you qualify for a higher loan amount.

How to pawn jewelry

If you want to sell jewelry to a local pawn shop, here are some tips to make sure you get the highest payout: 

1. Figure out what your jewelry is worth

If you have gold or silver jewelry, use a calculator like this one from CashforGoldUSA to estimate how much your jewelry is worth in the current market:

CashforGoldUSA informational gold calculator
CashforGoldUSA informational gold calculator

If you aren’t sure whether you have real gold or silver, look for markings that show the type of jewelry you have and how much precious metal it contains. 

You can also get a jewelry appraisal though those typically cost $150 or more, so they aren’t worth it unless your jewelry is worth significantly more than that.

2. Find a reputable pawn shop

Ask for recommendations from friends and family and in community Facebook groups. Read Google Business reviews and reviews on third-party sites like the Better Business Bureau, Yelp, and Trustpilot to find a pawn shop that will offer you a fair price and a positive experience. 

3. Be prepared to negotiate

Get offers from multiple pawn shops and other jewelry buyers and negotiate a higher payout. 

​​Any receipts, certificates, or paperwork you have on your jewelry can also be used as leverage. 

Feeling shy? Try: “Can you do better than that?” when they make the offer. Be prepared to politely pack up your item and walk away — and be prepared for a counter-offer to come at you then.

How to get a pawn loan

If you aren’t ready to part with your jewelry but need immediate cash, some pawn shops offer pawn loans. 

Essentially, the pawn shop lends you money, up to a certain percentage of the value of your jewelry, and holds onto your jewelry as collateral. 

According to Intuit Credit Karma,2 interest rates on pawn loans range from 5% to 25% and typically have loan terms of 30 to 60 days.

Pawn loans are not based on your credit score and will not hurt your credit score if you are unable to pay them back. However, the pawn shop will keep your jewelry if you don’t. 

Online companies like Diamond Banc also offer loans on jewelry.

Answers to FAQs about pawning jewelry

Is it better to pawn or sell gold?

If you need immediate cash, pawning gold to a reputable pawn shop is a solid option. Pawn loans are another option if you need cash but don’t want to part with your gold. 

If you aren’t in a hurry to sell, you will get more money for your gold by getting quotes from multiple gold buyers, including local cash for gold storefronts, online gold buyers, and jewelry stores. 

Do pawn shops pay spot price for gold? 

Pawn shops will not pay you the full spot price for gold, but rather a percentage of the spot price. In our experience, pawn shops typically pay between 25% to 80% of the spot price.

Are pawn shops a good place to buy jewelry?

If you are looking for unique jewelry at a lower cost than retail and you don’t mind paying for something used, pawn shops can be good places to buy jewelry, especially if you like vintage, antique or one-of-a-kind pieces.

Do pawn shops buy broken jewelry?

Some pawn shops may buy broken jewelry if they believe the piece is worth fixing or if it contains precious metals like gold that they can sell to a refiner.  

Bottom line: Pawning vs selling: Is it better to sell jewelry online or pawn?

If you need quick cash, pawning jewelry is a solid option, especially if you find a pawn shop in your area with positive customer reviews and a reputation for making fair offers. 

However, if you have the time, it’s worth getting quotes from multiple types of businesses — online gold buyers, local jewelry stores, cash-for-gold storefronts, and pawn shops. 

If you are thinking about pawning your gold, silver, or diamond jewelry — even broken jewelry — online gold buyers and recyclers offer a discreet process with high payouts.

Our No. 1 recommendation for selling jewelry is CashforGoldUSA, an A+ rated BBB company with decades of experience that offers a highest-price guarantee. 

Get started with CashforGoldUSA.com today >>


The book is here! My life’s work? Yes.

Out now from Sourcebooks:

The 50/50 Solution: The Surprisingly Simple Choice that Makes Moms, Dads, and Kids Happier and Healthier after a Split

by Emma Johnson

Cover of The 50/50 Solution book by Emma Johnson.

Featured in Newsweek, MSN, Slate.

There is one proven method for happier kids, more involved dads, and less stressed-out moms after divorce―50/50 custody

It’s hard for everyone when parents split up―but the end of living together doesn’t need to mean the end of a functional family. Part of the reason divorces are so traumatic for the kids involved is because of our child custody system, which truly sets everyone up for failure. Throughout the country, the default arrangement is for Mom to get majority time with the kids (and most of the responsibility of caring for them), for Dad to become an occasional visitor (and perhaps saddled with massive child support payments), and for the kids to lose the stability, structure and confidence of knowing they have two equally committed, loving parents. But it doesn’t have to be this way!

In The 50/50 Solution, Wealthysinglemommy.com founder Emma Johnson showcases the robust research proving that, in the vast majority of cases, equal timesharing is the best outcome for everyone in a family where the adults no longer live together. The 50/50 Solution will show you that equal parenting time leads to:

  • Better physical, emotional, and mental health for children of divorce
  • Higher career earnings for single mothers
  • Fathers who are more engaged and whose rights as parents are preserved
  • Far less parental and legal conflict
  • A progressive, forward-thinking cultural norm that promotes gender and racial equality for all families, regardless of their configuration

A few states have already adopted 50/50 custody as the default arrangement, and several more are poised to follow. Equal parenting time is the custody framework of the future, and The 50/50 Solution shows readers how it helps our families and communities thrive.

Table of Contents

The 50/50 Solution in the media

Endorsements

About author Emma Johnson

Table of Contents:

  • Introduction: Equal Rights, Equal Responsibility
  • 1: The Cult of Motherhood and Gender Gaps
  • 2: Beyond the Male Breadwinner
  • 3: Shared Parenting Is in the Best Interest
    of the Child
  • 4: Money Always Matters
  • 5: A Deeper Look at Domestic Violence
    Postdivorce
  • 6: The Future Is Now
  • 7: Solutions
  • 8: FAQs about 50/50 Parenting
  • Notes (26 pages of citations)

Read: Single moms with 50/50 co-parenting schedules earn more, survey of 2,279 finds

The 50/50 Solution in the media

  • Made an appearance in a New Hampshire legislative hearing in support of an equal-parenting presumption bill:

Endorsements

“A sharp and thorough take on divorce that’s grounded in research and the science of child development. Johnson thinks beyond an outdated and binary battle-between-genders framework, providing a comprehensive guide to coparenting that puts kids first.” ― Jordan Shapiro, PhD, Senior Fellow for the Joan Ganz Cooney Center at Sesame Workshop, Nonresident Fellow in the Center for Universal Education at the Brookings Institution, and author of Father Figure: How to be a Feminist Dad

“With over 30 years as a divorce attorney, I’ve seen thousands of families torn apart by divorce. The 50/50 Solution is a game-changer. It’s more than a guide; it’s a hopeful vision for healthier families and a call for societal change towards gender and racial equality. Emma’s work offers practical solutions and a progressive outlook on family dynamics in the modern world.” ― Susan Guthrie, Chair Elect of the American Bar Association Section of Dispute Resolution and host of The Divorce & Beyond Podcast

“Sexism should not inform our parenting decisions. Children – and parents – do best when moms AND dads share caregiving responsibilities. The 50/50 Solution: The Surprisingly Simple Choice that Makes Moms, Dads, and Kids Happier and Healthier After a Divorce details the sneaky ways sexism continues to influence (and harm) parents, children, and society and outlines a practical, achievable alternative for separated, divorced, and unmarried parents.” ― Jennifer L.W. Fink, author of Building Boys: Raising Great Guys in a World that Misunderstands Males

“The essence of The 50/50 Solution is so obvious that it is stunning that it is not already the default: Expect moms and dads to take equal care of their kids. Emma lays out the social science supporting why this is so good for children, and challenges many of our old and sexist ideas about how to win at divorce, parenting, work and life.” ― Farnoosh Torabi, Financial Expert, Host of the So Money podcast

Out now from Sourcebooks:

The 50/50 Solution: The Surprisingly Simple Choice that Makes Moms, Dads, and Kids Happier and Healthier after a Split

by Emma Johnson

Cover of The 50/50 Solution book by Emma Johnson.

Featured in Newsweek, MSN, Slate.

About author Emma Johnson

Emma Johnson is a business journalist, gender equality activist, best-selling author of The Kickass Single Mom (Penguin), The 50/50 Solution: The Surprisingly Simple Choice that Makes Moms, Dads, and Kids Happier and Healthier after a Split (Sourcebooks) and founder of Wealthysinglemommy.com, the world’s largest platform for single moms.

A former newspaper and Associated Press reporter, Emma has been featured on New York Times, Wall Street Journal, CNN, Headline News,  CNBC, NPR, TIME, O, The Oprah Magazine, The Doctors, and many more.

An advocate for 50/50 parenting when mom and dad live separately, Emma frequently speaks on women’s issues, including at the United Nations Summit for Gender Equality, Google and legislative bodies.

Emma grew up in Sycamore, Ill. with a single mom and two brothers. Today she lives in Richmond, Va., with her son and daughter.

At the end of May, 23 million families in the U.S. will pay more for internet service with the expiration of the Affordable Connectivity Program (ACP), the federal program for low-cost internet.1

In this post, we’ll show you how to get free internet at home without the ACP, whether you need internet for a work-from-home job, remote schooling, or just because.

Status of the Affordable Connectivity Program

How to get free or discounted internet from the government

Discounted home internet from the major providers:

Low income internet providers:

Other tips for getting free internet access:

What’s the latest with the Affordable Connectivity Program? 

The Federal Communications Commission (FCC) established the ACP to help income-eligible households save money on home internet. Enrolled households received a monthly discount of up to $30 (or $75 for households on Tribal lands) and a one-time discount of up to $100 to buy a laptop.

However, the ACP was not renewed and will expire at the end of May.

The FCC’s Lifeline Assistance Program is still operating. More on that below.

How can folks get free or discounted internet now?

The Lifeline Assistance Program provides government discounts to qualified subscribers for cellphone use, broadband internet, and bundled voice-broadband service. 

Lifeline offers up to a $9.25 monthly service discount for qualifying low-income subscribers and up to $34.25 per month for subscribers on Tribal lands.

You can apply for Lifeline using the Lifeline National Verifier, an FCC system that verifies eligibility, or request a mailed application at 800-234-9473 or LifelineSupport@usac.org.

If you qualify, you have 90 days to choose and sign up for a phone or internet company, or you can ask your current provider to apply your Lifeline benefit to your existing service.

Discounts from the major cable providers

These discount home internet options offer a variety of data plans at different price points. Many of the programs base eligibility on the Federal Poverty income guidelines. 

These are the 2026 Federal Poverty Guidelines:

Number of people in family/householdAnnual income
1$15,960
2$21,640
3$27,320
4$33,000
5$38,680
6$44,360
7$50,040
8$55,720

For families/households with more than 8 people, add $5,680 for each additional person.

AT&T

AT&T offers discounted home internet service to low-income households in 23 states through its Access program, with service for $30 per month based on the maximum speed available at your address, up to 100Mbps.2

Access is available to households with income below 200% of the federal poverty level (FPL) or that receive benefits from:

  • The Supplemental Nutrition Assistance Program (SNAP)
  • Supplemental Security Income (SSI)
  • National School Lunch Program (NSLP)

You can further maximize savings by applying an existing ACP or Lifeline benefit to this service or other AT&T internet plans. Check with AT&T for availability and pricing.

AT&T ACP statement: “If the program ends, regular AT&T plan rates will apply.”

CenturyLink offers fiber internet with unlimited data in 16 states. Plans are $75 per month with free installation, modem included. CenturyLink works with ACP and Lifeline. You can speak with a CenturyLink representative about applying existing ACP or Lifeline benefits to lower your monthly bill.

CenturyLink ACP statement: “If the program ends, we’ll no longer apply the ACP discount you currently receive to your CenturyLink service.”

Cricket Wireless

Cricket Wireless offers a 15 GB mobile hotspot, unlimited high-speed data plans and a 100 GB data-only plan. With ACP discounts, you could pay between $0 and $30 per month for service. Cricket also accepts Lifeline benefits.

Cricket Wireless ACP statement: “Please refer to the FCC’s website at fcc.gov/acp for more information about the status of the program.

You may contact your members of Congress to help protect access to an affordable internet connection for more than 20 million U.S. households at 
www.keepamericaconnected.com/cricket.”

HughesNet

HughesNet offers discounted satellite-based internet service to low-income households with an existing ACP or Lifeline benefit. They offer a range of eligible plans, from HughesNet Select 100 GB to Elite 200GB in all contiguous states and Puerto Rico.

HughesNet ACP statement: “Upon the conclusion of ACP as announced by the FCC, you will be subject to HughesNet’s undiscounted rates and general terms and conditions if you continue to receive services from HughesNet.”

T-Mobile

T-Mobile offers 5G home internet for $40 per month. This service is eligible for the ACP discount if you already have the benefit. Lifeline benefits do not apply to this service. There is no annual contract, and you can try the service for 15 days with a money-back guarantee if you aren’t satisfied.

T-Mobile ACP statement: “If you are currently enrolled in the program, you’ll continue to receive your discount while funds last, as long as you maintain your eligibility.”

Verizon

An existing ACP benefit works with any Verizon Fios Mix & Match internet plan, unlimited mobile data plans, 5G Home Internet plans, and LTE Home internet plans. 

Verizon ACP statement: “Unless Congress approves additional funding, all ACP benefits will end when the current funding runs out in the next few months.”

Internet programs for low-income people

If you have a low income and are looking for affordable home internet, the following internet providers offer low-cost internet access at home:

Cox Connect2Compete

A flagship program of EveryoneOn, Connect2Compete works with Cox Communications (and Mediacom) to provide low-income families with K-12 students affordable home internet. Plans are $9.95 per month.

Free Cox Connect2 qualifications

To qualify for Cox Connect2Compete, your household must:

  • Have at least one K-12 student
  • Receive government assistance

Cox is also currently enrolled in the ACP and Lifeline in California, Louisiana, and Oklahoma.

Frontier Lifeline Program

The Frontier Lifeline Program is offered in 29 states and provides discounts on qualifying Frontier internet services to low-income subscribers. Frontier internet service includes a wifi router. 

Free Frontier internet qualifications

In general, applicants must receive government assistance to be eligible for this service. However, each state Frontier serves has different qualification requirements.

Frontier currently accepts Lifeline benefits.

Internet Essentials from Comcast

Internet Essentials from Comcast is a low-cost monthly service for $9.95 and free internet equipment. If you qualify, you can get the monthly service for free and enjoy speeds of up to 50/10 Mbps. This service also comes with free access to Xfinity wifi hotspots and offers low-priced computers.

Free Comcast internet qualifications

To qualify for this free Comcast service, you must:

  • Receive benefits from Lifeline, SNAP, Medicaid, or the National School Lunch Program (NSLP)
  • Live in a Comcast service area
  • Not be a Comcast internet service customer within the last 90 days

Comcast also offers Lift Zone, a network of free, nationwide wifi-connected community centers for students.

We also put together a list of ways to get free wifi when you’re away from home.

Juno

Juno offers contract-free dial-up internet access, with 10 hours of free internet each month. You can get connected by choosing an access number from the site, but make sure it is local to your area or you’ll pay fees if your current landline phone provider charges for long-distance calls.

Juno offers more than 2,200 access numbers nationwide. You will choose an access number when you sign up for service. To verify that there are local access numbers in your area, use the Juno access number search.

Juno also offers paid, accelerated dial-up for $29.95/month and DSL broadband internet service for $26.95/month. All services require a landline.

NetZero

NetZero offers 10 hours per month of free dial-up home internet service. It also offers accelerated dial-up with Norton AntiVirus protection for $29.95 per month. 

FYI: NetZero charges $25 per incident for live technical support by telephone. 

Spectrum Internet Assistant Program

Spectrum offers a low-price option called Spectrum Internet Assist for $19.99 per month, plus taxes and fees, with contract-free service that includes a modem for high-speed internet at 30 Mbps. You can also add in-home wifi for $5 per month, with a free wifi router. This program is only for new internet subscribers.

Free Spectrum internet qualifications

To qualify for Spectrum Internet Assist, one or more members of your family must receive assistance from:

  • National School Lunch Program (NLSP)
  • Community Eligibility Provision of the NLSP
  • SSI (applies to those 65 and older)

Lesser-known tips for getting free internet access

Employer-subsidized home internet

Some employers may reimburse you for home internet services if you work from home. Check with your human resources department to find out what’s available, as well as the rules of usage. Consider negotiating this into your salary if you’re starting a new job working from home.

Check with your school district about free internet for students at home

Ask administrators at your child’s school if there is a free or subsidized internet access program. Some school districts might even have a network of free wifi partners.

For example, in Clark County, Nev., educators and business leaders collaborated to create Connecting Kids3 — an initiative to connect every child engaging in digital learning in the state to the internet. Programs like this ensure children have the equipment and wifi access they need at home.

Some schools can also help you get a free laptop or free tablet.

Nonprofits and charities that help you get home internet

Check with local nonprofits who offer affordable programs to help you get connected. Here are some options to look into:

  • ConnectAll: Offers home internet at $14.95 per month through a hotspot connection on the T-Mobile network for eligible subscribers.
  • EducationSuperHighway: Their No Home Left Offline is a privately funded campaign to help families get free wifi in low-income apartment communities. (Also check out our post on help with security deposits.)
  • EveryoneOn: This nonprofit helps families in underserved communities access affordable internet service and computers. The Washington, D.C.-based organization has connected more than 890,000 people to the internet since 2012 and has provided more than 5,000 computers.
  • Human-I-T: Provides qualified applicants with a high-speed internet plan for under $30 per month when they buy a Franklin T10 mobile hotspot.
  • PCs for People: Eligible customers can get prepaid internet for $15 per month after purchasing a hotspot device or modem.

Check out these other resources for low-income households:

Help for single moms: 16+ resources$500 single mom grant
Government assistance for single momsFree cable
Energy assistanceFree money for bills
Free help with tax preparationFree smartphone
10+ charities that help single mothersFree money
Free furnitureEBT discounts
Free streamingSmartwatch from insurance

SOURCES

  1. “Lawmakers and advocates make last-ditch push to extend affordable internet subsidy,” By Kavish Harjai and Pablo Monsivais for the Associated Press. April 30, 2024. https://apnews.com/article/affordable-connectivity-program-funding-broadband-internet-biden
  2. “Affordable Connectivity Program Update: What It Means for You,” TechBuzz. February 13, 2024. https://techbuzz.att.com/explainers/affordable-connectivity-program-update-what-it-means-for-you/
  3. Connecting Kids. https://connectingkidsnv.org/