<p>I am speaking in regard to health insurance. Are there restrictions? Specifically, I want to know if my daughter still qualifies to stay on our insurance if she is offered insurance at her place of employment.</p>
<p>My understanding is that your insurance must let her stay if she is not offered insurance through her own job, but does not have to if she is offered insurance. On a thread about this last year, some people reported that their insurance let their under 26 year olds stay even if they were offered insurance from their own company while others did not. So if she has been offered insurance elsewhere, you should check with your company for its policy. (and it is under 26, not 26 and under)</p>
<p>Oh, there is also an exception for insurance policies that were already in existence before the act passed in 2010 that allows them to not implement the rule til 2014, but many insurance companies voluntarily adopted the new rule anyway.</p>
<p>The under 26 rule is in effect as of the first open season which occurred at least 6 months after the bill was signed in March 2010, so by now pretty much everyone has had a qualifying open season.</p>
<p>If you have opted for a family plan, your daughter will be covered until her 26th birthday, regardless of her residence or other coverage. If she has her own coverage at her place of employment, she must designate one as her ‘primary’ and the other as ‘secondary’.</p>
<p>Did change the rules? All the rules I have read say that until 2014 certain group plans are not required to keep an adult child who has insurance through their own employment (though it seems many do voluntarily). </p>
<p>It is very hard to find recent information on this - every time i search the data is from 2011 and 2010 - so if there is more up to date info I would like to have access to it (I have a 23 year old who just got married - my understanding is that she can stay on our insurance but would like to thoroughly understand it all).</p>
<p>Hmmm, not sure about those ‘certain group plans’. All the folks I know who have kids who are affected by this (many, as my kids are 23. 27, 28), all get to keep their kids on their plan. </p>
<p>I think many plans are applying the under 26 benefit universally to family plans rather than undertaking the task of trying to put kids on and off as their employment changes. The determining factor for coverage under the family plan is the unchanging birthdate.</p>
<p>And yes, your married 23 year old is covered by you, though her spouse is not.</p>
<p>Spouse is covered by his Mom. He will have free insurance through his grad program starting August, so i guess they need to look into the primary/secondary insurance issue,</p>
<p>My son took the insurance his job offered him as soon as he started - I guess in retrospect he maybe could have stayed on ours which would have saved him a couple of thousand since he started (and cost us nothing as 1 child costs the same as 2). Moot point now as he turns 26 in August.</p>
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<p>[Young</a> Adults and the Affordable Care Act Fact Sheets | HealthCare.gov](<a href=“http://www.healthcare.gov/news/factsheets/2011/08/young-adults.html]Young”>http://www.healthcare.gov/news/factsheets/2011/08/young-adults.html)</p>
<p>We have to sign documents every year that state the daughters have no other access to insurance. If your kid’s employer offers it, even if it isn’t as good or costs more, that will make your kid ineligble.</p>
<p>[Young</a> Adult Coverage | HealthCare.gov](<a href=“http://www.healthcare.gov/law/features/choices/young-adult-coverage/index.html]Young”>http://www.healthcare.gov/law/features/choices/young-adult-coverage/index.html)</p>
<p>"Your children can join or remain on your plan even if they are:</p>
<p>married
not living with you
attending school
not financially dependent on you
eligible to enroll in their employer’s plan</p>
<p>There is one temporary exception: Until 2014, “grandfathered” group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parent’s plan."</p>
<p>The last sentence is the key one regarding whether children whose employers offer their own plan are eligible to be under their parent’s plan. We were lucky in that our insurance does allow for my S to be on our insurance, at no extra cost, despite his being able to opt into his employer’s plan. All depends on the parent’s coverage rules.</p>
<p>Some companies apparently voluntarily let the adult kids stay on. There was a long thread about it last year and quite a few parents reported this. I don’t *think *our company allows it, but daughter has no insurance (no job yet either :()</p>
<p>I guess each person needs to check with their own plan.</p>
<p>I’m now more confused; guess we will figure it out when D starts her job next week…</p>
<p>You need to check with your own plan - that is the one that whose rules will determine if yor daughter can stay (assuming her job offers insurance).</p>
<p>^thank you; I will call them Monday morning…of course, if her employer’s plan requires a contribution, may not make sense anyway…</p>
<p>It is my understanding, regarding the age 26 rule, that the kid can stay on the parents’ policy until the end of the year in which the kid turns 26. Which means coverage would not cease on their 26th birthday (unless the birthday is Dec. 31). I am hoping this is this case as my D’s birthday is in January and she would benefit for 11 months. Anyone know about this?</p>
<p>No. The insurance is only required to let the kid stay on until they turn 26. SOme companies may volutarily allow kids to stay until the end of the year, but they are not required to</p>
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<p>musicmom,
Yes, this is what we found. Our 26 year old, with an August birthday, remained on our insurance until December 31st of that year. :)</p>
<p>I think it will depend on each insurance company’s own policy. It is not required by law according to the FAQs here [Young</a> Adults and the Affordable Care Act: Protecting Young Adults and Eliminating Burdens on Businesses and Families | cciio.cms.gov](<a href=“http://cciio.cms.gov/resources/files/adult_child_faq.html]Young”>http://cciio.cms.gov/resources/files/adult_child_faq.html). (see post #15 for the relevant quote)</p>
<p>I am thankful that my daughter just graduated and will be starting her new job in a few weeks. I think it would be great if she were able to stay on our plan and use the money to help her pay her students loans instead of insurance premiums. Woohoo! Do I need to contact the insurer directly or should I go through HR at my employer?</p>
<p>I guess I shouldn’t get excited until I find out for sure that we are not one of the 2014 exceptions. Here’s hoping for the best!</p>
<p>I would think throgh your HR. Who does your insurance info come from usually (not claims but info about policies and signing up for policies etc)? Ours comes from my husbands company and any inquiries about policies would go through them.</p>
<p>Wish I had thought to look into this when my son started work - he could have paid an extra couple of thousand off his loans. Though I’m not sure how the whole network thing would have worked as he lives 1200 miles away. Not that he ever goes to the doctor unless someone grabs him by the ear and drags him there.</p>
<p>Ahh . . . another thing to consider–in and out of network. My daughter will be moving hundreds of miles away. I’ll have to check on that. Thanks for mentioning it, scm!</p>