Keep Your Dependents Covered: Navigating the Rules for Staying on Your Group Health Plan Until Age 26

As an employer, you want to provide your employees with the best benefits possible. One important aspect of employee benefits is health insurance, and many employers offer group health plans to their employees and their dependents. But, with the Affordable Care Act (ACA), there are now rules in place for how long dependents can stay on their parent's group health plan.

According to the ACA, dependents can stay on their parent's group health plan until they turn 26 years old. This rule applies to all group health plans, whether they are grandfathered or not. The goal of this rule is to provide young adults with the security of health insurance as they transition into adulthood and the workforce.

But, there are a few exceptions to this rule. For example, if a dependent is eligible to enroll in their own employer-sponsored health plan, they must do so. They cannot remain on their parent's plan in this case. Additionally, if a dependent is eligible for Medicaid or CHIP, they must enroll in those programs instead of staying on their parent's health plan.

It's important to note that the rules for dependent coverage can vary by state. Some states have laws that extend the age limit for dependents beyond 26, so it's always a good idea to check with your state's insurance department for specific information.

As an employer, it's important to understand the rules for dependent coverage and communicate them to your employees. Encourage your employees to check with their health insurance carrier to see what options are available for their dependents.

In conclusion, the ACA has established that dependents can stay on their parent's group health plan until age 26, but there are exceptions to this rule. Employers should stay informed and communicate the rules to their employees to ensure that their dependents are getting the coverage they need.

Sources:

• https://www.healthcare.gov/young-adults/young-adults-and-marketplace-coverage/
• https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/affordable-care-act/market-reforms/dependent-coverage
• https://www.ncsl.org/research/health/dependent-coverage-to-age-26.aspx