Final Regs Issued for Dependent Coverage to age 26

Written by: Rush Dixon

The new Health Care Reform Law, The Patient Protection and Affordable Care Act, allows dependents to be on their parents plan until age 26 under certain circumstances.  If the parent’s health plan is a grandfathered plan, that is, there have been no material changes to the plan re deductibles or copays, or if the employer hasn’t raised the amount the employees have to pay for premiums.  The dependent child may come onto the parent’s plan as long as the child does not have any other alternative plans available at his or her employment.  If the plan is a non grandfathered plan, then the dependent child may join the parents plan regardless of what is available at his or her employment.  To add the dependent child, the employee would simply fill out a new enrollment form adding the new dependent coverage.

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