Young Adult Coverage

Under the Affordable Care Act, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old.

Your children can join or remain on your plan even if they are:

• married
• not living with you
• attending school
• not financially dependent on you
• eligible to enroll in their employer’s plan

There is one temporary exception: Until 2014, “grandfathered” group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parent’s plan.

Some Important Details

• Your plan is required to provide a 30-day period — no later than the first day of your plan’s next “plan year”  or “policy year” that begins on or after September 23, 2010 — to allow you to enroll your adult child. Your plan must notify you of this enrollment opportunity in writing.
• If you enroll your adult child during this 30-day enrollment period, your plan must cover your adult child from the first day of that plan year or policy year.

For More Information

• HealthCare Blog: 2.5 Million More Young Adults Have Coverage Thanks to Health Law.
• Fact Sheet: Young Adults and the Affordable Care Act.
• Read answers to frequently asked questions about young adults and the Affordable Care Act.
• Learn more about the background on this provision.
• Find detailed technical and regulatory information.
• Patient’s Bill of Rights: Learn about other consumer protections in the health care law.
• Use our interactive FAQ tool to find answers to insurance coverage-related questions or ask your own at at answers.healthcare.gov.

Posted on: September 23, 2010

Last updated: January 25, 2012