How To Register Someone Health Insurance As A Dependent

Girl on Computer The Patient Protection and Affordable Care Human action (ACA) mandates that all health insurance carriers in every state that offering coverage to both adults and their dependents must allow dependents to remain on their parents or guardians' "family unit" plans until the dependents are 26 years onetime.

The issued regulations land that young adults are eligible for this coverage regardless of any, or a combination of any, of the following factors: financial dependency, residency of the young adult, student condition, employment status, or marital status. This applies to all plans in the private market and to nearly all employer plans (pocket-size group, large group, including self-funded or so-called ERISA plans) created after March 23, 2010.

PPACA & HCERA; Public Laws 111-148 and 111-152: Consolidated Print

''SEC. 2714. EXTENSION OF DEPENDENT COVERAGE.

''(a) IN Full general.—A group health plan and a wellness insurance issuer offer group or individual health insurance coverage that provides dependent coverage of children shall proceed to brand such coverage available for an adult child until the child turns 26 years of age. Nothing in this section shall require a health programme or a health insurance issuer described in the preceding sentence to make coverage available for a child of a kid receiving dependent coverage. [Equally revised past section 2301(b) of HCERA]

''(b) REGULATIONS.—The Secretary shall promulgate regulations to define the dependents to which coverage shall exist made available under subsection (a).

''(c) Rule OF CONSTRUCTION.—Nothing in this section shall be construed to modify the definition of 'dependent' as used in the Internal Revenue Code of 1986 with respect to the taxation treatment of the cost of coverage."

NCSL Fact Sheet
White Business firm Fact Sheet
Commonwealth Fund: Rite of Passage: Young Adults and the Affordable Care Act of 2010
Kaiser Family Foundation Summary

Usa' Role

The extension of coverage for young adults under their parents' or guardians' wellness insurance plans, like many of the ACA's provisions, originated in country legislatures. Prior to the implementation of the ACA, at least 31 states required carriers to extend coverage to young adults. The age at which insurers were no longer required to provide coverage to young adults under their family plans varied by state. Additionally, some states required certain conditions to be met past young adults in guild to exist eligible for coverage under their guardians' plans. For case, a number of states required that young adults exist single in order to qualify.

States may continue with current state law requirements for extended dependent coverage unless they forbid the application of the ACA. Every bit with other state health insurance statutes, the state mandate linguistic communication enables the state insurance departments to educate the public, and to implement and enforce those laws directly, including utilise of land courts and state-specific penalties.

State and local governments, as employers and sponsors of coverage plans, are required to notify those under the age of 26 whose coverage has ended or who were denied coverage under their plans earlier turning 26, of enrollment opportunities.

State Actions

The federal ACA law applies to immature adults in all states.

As of 2012, (before the ACA was fully in effect) the following37 states had already extended the age that young adults tin remain on their parents' health insurance programme:Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nevada, New Hampshire, New Jersey, New United mexican states, New York, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

There is considerable variation among state laws in terms of eligibility requirements. At least 30 states accept extended dependent coverage, regardless of student status. Most states require that a young adult be single and financially dependent on their parents in order to qualify for extended dependent coverage.
States may continue to use current country law requirements for extended dependent coverage except to the extent that the requirements prevent the application of the Patient Protection and Affordable Care Act (ACA). [Reviewed/updated 2016]

The box allows yous to conduct a total text search or blazon the country name.

State Laws
State	Laws
Colorado	Colo. Rev. Stat. § x-16-104.iii states that a kid 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.
Connecticut	C.One thousand.S.A. § 38a-497 requires that grouping comprehensive and health insurance policies extend coverage to unwed children until the historic period of 26 provided they remain residents of Connecticut or are full-time students.
Delaware	Del. Code Ann. Tit. eighteen, § 3354 requires insurance providers to cover policyholder'due south dependent children until age 24. Dependents must be unmarried and a resident of Delaware or, if living outside the land, a full-time students. Insurance companies may charge more for dependent coverage past age eighteen, just it may not exceed 102 per centum of the policyholder'south cost before the child turned 18.
Florida	Florida 627.6562 allows for dependent children upwardly to 25, who alive with their parent or are a student, and up to30 years one-time, who are as well unmarried and have no dependent child of their own, to remain on their parents' insurance.
Georgia	Ga. Code § 33-30-four allows dependent children up to historic period 25 who are enrolled every bit a total-time student at least five months during the twelvemonth or are eligible to enroll simply are prevented due to illness or injury to remain on their parents' insurance. Ga. Code § 33-24-28 requires that a health services programme or health insurer exempt dependent children incapable of self-sustaining employment due to disability from dependent age limits.
Idaho	Idaho Stat. § 41-2103 allows for any single dependents to remain on their parents' wellness insurance until age 21; any full-time, single student until historic period 25; or a dependent with a inability without regard to age.
Illinois	215 ILCS five/356z.12 provides parents with the pick of keeping unmarried dependents on their health care insurance upwards to age 26. Parents with dependents who are veterans can keep them on their plans up to age xxx.
Indiana	IC 27-8-5-2,28 and IC 27-13-7-3 crave commercial wellness insurers and wellness maintenance organizations to cover children until age of 24 or without regard to age if they are incapable of self-sustaining employment due to inability.
Iowa	Iowa Code § 509.3 and Iowa Code § 514E.7 requires that wellness 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.
Kentucky	Ky. Rev. Stat. § 304.17A-256 allows parents to continue their unmarried children on their health plans until the historic period of 25. Parents may have to pay extra for their adult children.
Louisiana	La. Rev. Stat. Ann. § 22:1003 allows an unmarried, dependent child to remain on parent'southward insurance upwards to age 24 if they are a full-time pupil.
Maine	24-A MRSA § 2742-B requires individual and grouping wellness insurance policies to go on coverage for a dependent child up to 25 years of age if the kid is dependent upon the policyholder and the kid has no dependents of the his/her own.
Maryland	Doc Lawmaking, Insurance § 15-418 requires that health insurance exist extended to, at the request of the policy holder, unmarried dependents under the age of 25.
Massachusetts	Mass. Gen. Laws Ann. Ch. 175 § 108 allows dependents to stay on their parent's coverage for two years past the age of dependency or until historic period 26, whichever occurs first, or without regard to age if they are incapable of self-sustaining employment due to inability. Young adults ages 19-26 are eligible for lower-cost insurance coverage, tailored to run across their needs, offered through the Commonwealth Health Insurance Connector. Reform summary and fact canvas, PowerPoint presentation.
Minnesota	Minnesota Affiliate 62E.02 Defines "dependent" as a spouse or single child under historic period 25, or a dependent child of any age who is disabled.
Missouri	Mo. Rev. Stat. § 354-536 defines dependent as an unmarried child up to age 26. If a health maintenance organisation plan provides that coverage of a dependent child terminates upon attainment of the limiting age for dependent children, such coverage shall continue while the child is and continues to be both incapable of self-sustaining employment by reason of mental or physical handicap and chiefly dependent upon the enrollee for support and maintenance.
Montana	MCA 33-22-140 provides insurance coverage under a parent'due south policy for single children upwards to age 25.
Nevada	NRS 689C.055 allows an unmarried, dependent child who is a total-time student to remain on his or her parent'south insurance upward to historic period 24 if parent is covered past modest group policy. NRS 689B.035 requires that dependents retain coverage across historic period of policy termination if they are incapable of self-sustaining employment due to disability.
New Hampshire	N.H. Rev. Stat § 420-B:eight-aa defines dependent every bit those who are single upwardly to age 26 and either a total-time student or resident of New Hampshire for purposes of health insurance coverage. 2009 SB 115 allows those up to age 26 to purchase-in to coverage through the state'south CHIP program, Good for you Kids.
New Jersey	Northward.J.Due south.A. 17B:27-thirty.5 states that, at the pick of the insured person, a dependent may be covered up to the age of 31, every bit long as they are unmarried and have no dependents of their own.
New Mexico	NM Stat. Ann. § 13-7-8 states that wellness insurance for dependents may not be terminated based on historic period up to historic period 25.
New York	Northward.Y. Insurance Code, sec. 3216. (2009 AB 9038) allows an unmarried adult child to remain on parent's insurance through historic period 29 (upwards to age 30) if they are a resident of New York. [link updated four/2015]
North Dakota	N.D. Cent. Code § 26.1-36-22 allows an unmarried, dependent child to remain on parent's insurance upward to age 22 if they live with parents. If they are a full-time student, they can remain on parent'due south insurance from historic period 22 up to age 26.
Ohio	Ohio Rev. Code § 1751.14, as amended by 2009 OH H one allows an single, dependent child that is an Ohio resident or a full-time student to remain on parent'due south insurance up to historic period 23, or without regard to age if they are incapable of self-sustaining employment due to disability.
Oregon	O.R.Due south. § 735.720 defines dependent every bit an unmarried kid upward to 23, elderly parents and disabled developed children for the purpose of insurance coverage.
Pennsylvania	2009 SB 189 states that an single child may remain on parent's insurance up to age 30 if they have no dependents and are residents of PA or are enrolled as full-time students. 51 Pa.C.S.A. § 7309 states that full-time students whose studies are interrupted by service in the reserves or the National Guard must exist extended wellness intendance benefits equally a dependent of their parent beyond the terminating age equal to the length of their deployment..
Rhode Island	R.I. Gen. Laws § 27-20-45 and Gen. Laws § 27-41-61 requires insurance plans which cover dependent children to comprehend unmarried dependent children until historic period 19 or, if a student, until age 25. If the dependent child is mentally or physically impaired, the programme must go on their coverage after the specified age.
South Carolina	Southward.C. Code Ann. § 38-71-1330 allows an unmarried, dependent child who is a full-time student to remain on parent'southward insurance up to historic period 22 if parent is covered by small group policy. S.C. Code Ann. § 38-71-350 requires that a dependent child who is not capable of self-sustaining employment be allowed to remain on his or her parent's insurance, without regard to age.
Southward Dakota	SD Codified Laws Ann. § 3-12A-1 states that any insurance provider offering benefits to a dependent may not terminate those benefits past reason of age before the dependent's 19th birthday. If the dependent is enrolled in an educational establishment, they are not to exist terminated until they reach age 24 and non terminated if unable to seek cocky-support due to disability. SD Codified Laws § 58-17-two.iii states that if the dependent remains a full-time educatee upon attaining historic period 24 just not exceeding age 29, the insurer shall provide for the continuation of coverage for that dependent at the insured's selection.
Tennessee	Tennessee Lawmaking Ann. § 56-vii-2302 allows for dependent coverage for children under their parents' health insurance plan upward to age 24 provided the child is unmarried and financially dependent on the parents.
Texas	Five.T.C.A. Insurance Code § 846.260 and V.T.C.A. Insurance Lawmaking § 1201.059 brand dependent status available for an unmarried child up to age 25 for insurance purposes.
Utah	Utah Code Ann. tit. 31A § 22-610.5 requires that coverage for unmarried dependents continue up to age 26, regardless of whether or not the dependent is enrolled in higher education.
Virginia	Va. Code Ann. § 38.2-3525 makes dependent status available to any child upward to historic period 19 or who is a dependent up to age 25 who resides with the parent or is a total-time educatee.
Washington	Westward'southward RCWA 48.44.215 states that, at the selection of the insured person, an unmarried dependent may be covered upwards to historic period 25.
West Virginia	W. Va. Code § 33-16-1a defines dependent for health insurance coverage as a kid or stepchild up to age 25.
Wisconsin	Wis. Stat. § 632.885 requires that coverage for unmarried dependents through a parent's insurance be offered upwardly to age 27 if they are not offered insurance through an employer. Full-time students called to agile duty in the military tin exist covered beyond age 26 depending on diverse factors.
Wyoming	Wyo. Stat. § 26-19-302 states that if child is unmarried and a full-fourth dimension pupil, they can remain on parent'southward insurance upwards to historic period 23 if parent is covered past minor group policy.

Coverage Beyond the Federal ACA | 2016 update

Half dozen states, including Florida, Illinois, New Jersey, Pennsylvania, S Dakota and Wisconsin have enacted laws that require or authorize carriers to comprehend immature adults across age 26. New York and Ohio previously enacted such laws, withal those provisions are no longer in effect.

**State Laws Beyond ACA**
State	Required Coverage Historic period Cutting-off	Commendation
Florida	30 (must be unmarried and accept no dependents of their ain)	W'due south F.S.A. § 627.6562
Illinois	thirty (applies to Veterans merely)	215 ILCS 5/356z.12
New Jersey	31	N.J.Due south.A. 17B:27-thirty.5
New York	29* (unmarried and not eligible for employer-based insurance)	McKinney'southward Insurance Law § 3216
Pennsylvania	30	40 P.Due south. § 752.one
South Dakota	29*	SDCL § 58-17-ii.3
Wisconsin	Full-time students, regardless of age	Wis. Stat. § 632.885

Who Pays?

The toll of notifying families most new enrollment opportunities is shared between insurance providers and employers. The cost of covering the young adults who have reward of the extension is shared between employers and the families of newly covered young adults. For families with no employer health coverage, the cost may fall on the parents. Those families that qualify for States, as sponsors of coverage plans for state employees, also share the costs with families. A qualified young adult cannot be required to pay more for coverage than similarly situated individuals who did not lose coverage due to the loss of dependent condition.

IRS Notice 2010-38 provides guidance to extend the general exclusion from gross income for the reimbursements for medical intendance under an employer provided accident or health programme to any employee'due south child who has non yet attained age 27 every bit of the end of the taxable year, making the benefit revenue enhancement-costless.

*The information on this page is intended for state policy makers. Information technology is not intended equally legal or medical advice or guidance to individual insurance enrollees..

Source: NCSL legal inquiry, 2016; State Health Facts past KFF. Legal review, 2011-2015: Richard Cauchi, NCSL Wellness Program.
Update 2016 inquiry: Ashley Noble, J.D., NCSL Health Program