S has been paying all his own bills for the past nearly 4 years, as well as filing his own tax returns and living in his own place. We considered him independent from then on. He was 23.
He opted to remain on our policy until aging out at age 26, even tho his employer offered medical coverage and would have paid 67% of premiums. There was no extra charge for us and our policy is great! We do still have hi on our family phone bill–$118 for 4 smartphones, since its a great deal.