I’m a couple of years away from my oldest graduating college so haven’t given this much thought. I don’t plan on enabling my kids by continuing to pay for many things they need to budget for (I.e. phone, etc). WRT to medical expenses, I will say that premiums for our current health insurance are not any more expensive depending on the number of kids in our family so we wouldn’t save anything on premiums. In addition to that, dh’s company pays our deductible which is a nice savings for us. Our family is usually pretty healthy so some years we never even meet it. However, D17 just had an unexpected ER visit that turned into an overnight stay at the hospital while we were on vacation. The bills just started coming in so it was nice to pull out that company card to pay our portion and not have to pay out of our pocket. As long as we have this benefit, we will probably continue to keep our kids on our insurance as long as eligible. However, once out of college and with a full time job, I don’t plan on paying their co-payments for office visits and I can’t imagine they’d expect us to.