<p>This is helpful information. My husband is recently retired federal employee and we are covered for youngest d up to one month past her 22 birthday through our FEHB, Empire Blue Cross/Blue Shield plan in NYS. She graduates in May so we will have to find coverage for her. When our older aged out she was beginning grad school and had better opportunity through school progams and this year she was entirely covered as part of her stipend/tuition remission deal. Come May she too will graduate so unless she locates a job with benefits quickly, we’ll be in the same position with her. Both girls are in the arts so will not be looking at major corporation type positions with benefits.</p>