Under health reform, can my son stay on my health insurance until age 26 or through age 26? What are the requirements for him to do so?
The Patient Protection and Affordable Care Act requires insurers that offer dependent coverage to make the coverage available until the adult child reaches age 26, according to the Kansas Insurance Department. Both married and unmarried children qualify for the coverage. The rule applies to all plans in the individual market and to new employer plans. It also applies to existing employer plans unless the adult child has another offer of employer-based coverage. Beginning in 2014, children up to age 26 can stay on their parent’s employer plan even if they have another offer of coverage through an employer. For more information, visit the U.S. Health and Human Services website at www.hhs.gov/ociio/regulations/adult_child_faq.html or call the Kansas Insurance Department at 785-296-3071.