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Reasons People Don't Have Health Insurance Coverage

A Child Is No Longer Dependent

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Thanks to the Affordable Care Act (also known as "Obamacare") health insurance must provide coverage to dependent children until they reach the age of 26. 

If you have a plan covered by COBRA or a similar state law, it is worth checking whether your child may be eligible to purchase extended health care coverage for up to 36 months. Although health insurance coverage through an employer may cost more because an employer no longer contributes, it is usually less than cost of an individual policy.

  • For safety, notify the employer in writing within 60 days of your covered child no longer being a dependent. 
  • The plan should notify the child of the right to extend health care benefits under COBRA. The child then has 60 days to notify the plan to elect COBRA. (Confirm these dates with respect to your plan for accuracy. You don't want to miss these deadlines.)

NOTE: Thanks to the Affordable Care Act of 2010, children are permitted to stay on a parent's insurance until age 26.

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