<p>We are in NJ. NJ state law does require insurance companies to allow young adult children to remain on private plans till age 30. BUT this does not apply to ‘self insured’ plans (which my family, of course, is insured under).</p>
<p>We chose a low cost private policy for grad school son, who is being kicked off of our policy next week. High deductible ($2500 per yr) but 100% coverage after that. We are only trying to cover him for catastrophic events, not small office visit costs. He is relatively healthy. About $104/month through UnitedHealthcare in Conn.
Apparently, must buy individual plan by state of residency…
We shopped through ehealthinsurance.com and then contacted individual company directly. I am just a mom, not an insurance salesperson!</p>
<p>Good luck.</p>