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How Long Can A Dependent Child Remain On Group Health Insurance?

By Cathy Wilson Posted in Health Insurance News

State-By-State Definition

The definition of a “dependent child” varies from state to state. In general a dependent child can be insured through their parent or guardian’s health insurance until their 18th birthday with the option to continue the coverage if they are enrolled in college full time until the age of 25. However, most states are currently changing their state laws to reflect the fastest growing uninsured population, 19-29 year olds. Thirty percent of 19-29 year olds have no form of health coverage, even if they are in school part time and reside with their parents or guardians who have health insurance.

Some states, like California, require insurance companies to extend coverage to dependents who will never be able to have a full-time job, be financially independent or live on their own even if they qualify for Medicare or Medicaid. Other states, including Colorado, Connecticut and Maryland, require insurance companies to continue coverage until the age of 25 or 26 regardless of school enrollment status as long as the dependent resides with their insured parent and is not financially independent.

States like Florida have written laws that would require insurance companies to insure dependents until the age of 30 regardless of school enrollment status as long as they reside with their insured parent and are not financially independent. There are usually special provisions for dependent children of military personnel, which also vary from branch to branch. Pennsylvania recently passed a law that extended coverage for any dependent enrolled in an interpretive-services program at their school or a member of the National Guard until they had completed their schooling, regardless of age.

Recent COBRA Changes

There have been recent changes in COBRA policy to reflect the changes states have been enacting. COBRA, short for Consolidated Omnibus Budget Reconciliation Act, passed in 1986, spelled out provisions for continuing health insurance beyond the loss of a job. COBRA coverage has also been extended for dependent children who lose their eligibility under their parent’s or guardian’s plan. The former “dependent child” will continued to be covered for 36 months after their termination as a “dependent child”. Currently dependent children are covered under COBRA in the event that their insured parent’s employment is terminated or if their parent passes away. COBRA has significantly higher premiums than regular private insurance provided through and employer. However, this bill also states that the cost could not exceed 102% of the original premium.

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2. What Happens To Your Health Insurance If You Get Laid Off?
3. What Does COBRA Insurance Mean?
4. I Had Health Insurance From My Employer And Left My Job, What Happens?
5. How Does Temporary Medical Health Insurance Coverage Work?