S was covered as a son of a fed employee (H), under H’s family plan. He aged out when he was going to turn 22, so we bought student insurance for his SR year of college. We then had to figure out how to get him covered until ACA became effective 1/1/2011, after he graduated since he didn’t start work until 6/2011!
Our insurer looked over his insurance record and saw that he’s had our family plan, the bcbs that his school offered and we wanted coverage for the gap period. We were happy to be able to buy that for my peace of mine. His individual policy wasn’t great but it was enough that I could sleep well at night, knowing he had some protection in case he needed it. He waited until he was back on our family plan in Jan before he saw providers & made claims—our policy has no deductible and very low copays.