Until age 26
Now they can stay on or be added to your family policy even if they have left home or are no longer a student. If you currently include your children on your health insurance, the Affordable Care Act allows you to keep them on your family policy until they reach age 26. This means you can make sure they have health insurance even if they no longer live with you, are married, or are no longer in school. You do not have to claim them as a dependent on your tax return. You will not be able to include their spouse or their children on your policy.  Generally, no. If you are covered on your parent’s plan and you have or adopt a child, you can get a child-only plan for your child or switch to a family plan with them on the Health Insurance Marketplace. You will have 60 days after the birth/adoption of your child to do so.  A: The law requires insurers to give parents 30 days to enroll an adult child who becomes eligible for coverage after the enrollment period, Abbott says. For example, suppose your child graduates from college in early 2011, is younger than 26 and doesn't have employer-provided health insurance. Your employer is required to give you 30 days to enroll your child in your plan, even if that doesn't coincide with the plan's regular enrollment period. Health coverage for children under 26. If a plan covers children, they generally can be added to or kept on a parent's health insurance policy until they turn 26 years old. Children can join or remain on a parent's plan even if they are: 1  Married. 2  Not living with their parents. 3  Attending school Ask the Health Insurance Expert. Yes, your daughter can stay on your health insurance plan until age 26, even if she is eligible to enroll in her own employer's health plan, according to the Affordable Care Act. The provision extending health insurance coverage to young adults is comprehensive. Children can remain on their parents' plans even if they are married, financially independent and living away from home. Until 2014, grandfathered plans do not have to extend coverage to young adult children who have access to other group health insurance coverage. Check with your employer's health benefits administrator to learn whether your health plan is grandfathered. The provision extending health insurance coverage to young adults is comprehensive. Children can remain on their parents' plans even if they are married, financially independent and living away from home. Under most individual health plans, your child’s eligibility for coverage will automatically stop when they reach age 18. Other insurance plans will continue to offer coverage to your children as long as they are full-time students up until they reach 23 to 25. That’s why you’ll definitely want to familiarize yourself with the provisions your health plan makes for students over the age of 18. Iowa Code § 509.3 and Iowa Code § 514E.7 requires that health insurance providers continue to cover unmarried children under their parents’ coverage provided that the child 1) is under the age of 25 and a current resident of Iowa, 2) is a full-time student, or 3) has a disability. § 26-19-302 states that if child is unmarried and a full-time student, they can remain on parent’s insurance up to age 23 if parent is covered by small group policy. § 10-16-104.3 states that a child is considered a dependent for insurance purposes up to age 25 (even if they are not enrolled in an educational institution) as long as they are unmarried and are financially dependent or share the same permanent address as the insurance provider. § 26-19-302 states that if child is unmarried and a full-time student, they can remain on parent’s insurance up to age 23 if parent is covered by small group policy.
https://www.sharecare.com/health/health-insurance/how-long-child-health-insurance http://younginvincibles.org/faqs/ http://usatoday30.usatoday.com/money/perfi/columnist/block/2010-05-18-yourmoney18_ST_N.htm https://www.healthcare.gov/young-adults/children-under-26/ http://www.insure.com/health-insurance-faq/health-insurance-until-age-26.html http://www.insure.com/health-insurance-faq/health-insurance-until-age-26.html http://www.insurelane.com/insurance-faq/faq11.html http://www.elitebenefits.net/blog/2013/4/30/how-long-can-i-keep-my-child-on-my-health-insurance-plan/ http://www.elitebenefits.net/blog/2013/4/30/how-long-can-i-keep-my-child-on-my-health-insurance-plan/
how long can my daughter be on my health insurance