February 22, 2012

Do you have adult-age children without health insurance coverage? Are you age 26 or younger and without health insurance? Some recent federal health reform legislation could offer you health insurance coverage.

Who it Applies to

If your parents have a health insurance plan that covers children, you can stay on your parents’ health plan until age 26. This applies even if you:

  • No longer live with your parents
  • Are not a dependent on your parents’ tax return
  • Are not a student
  • Are married or unmarried (Note: If you are married, your own spouse and children cannot get coverage).

This is a new policy under the Affordable Care Act, which was passed into law in March 2010. Before President Obama signed this act into law, many health insurance plans and issuers removed young adults from their parents’ policies because of their age.

Exceptions

There is a transition for certain existing group plans that generally do not have to provide dependent coverage until 2014, if the adult child has another offer of employer-based coverage aside from coverage through the parent.

More Information

Affordable Care Act FAQs - Department of Labor  
Young Adult Coverage - HealthCare.Gov