ACA Health Insurance: Coverage for Young Adults

Removing Adult Children from Your Plan When They Gain Their Own Coverage

One of the most talked-about events is whether a qualifying event occurs when your adult child gains their own coverage. Let’s explore the answer to this common question.

The Affordable Care Act (ACA) allows adult children to stay on their parents’ health insurance plans until they turn 26 years old. However, there are certain qualifying events that can allow you to remove your adult child from your plan before they reach age 26.

One such qualifying event is when your adult child gains their own health insurance coverage through their employer. In this case, you can go to your HR department and ask to have your adult child removed from your plan. You will need to provide proof that your adult child has their own health insurance coverage, such as a copy of their insurance card or a letter from their employer.

Once your adult child is removed from your plan, you will no longer be responsible for paying the premiums for their coverage. This can save you a significant amount of money on your health insurance costs. It is also important to note that your adult child will not be eligible for coverage under your plan again until they lose their employer-sponsored coverage and can qualify under another special enrollment period qualifying event.

If you are considering removing your adult child from your health insurance plan, it is important to talk to your HR department and your insurance company to understand your options and the potential costs involved. You should also make sure that your adult child has their own health insurance coverage before removing them from your plan.

Here are some additional things to keep in mind:

If your adult child is married, they may be eligible for coverage under their spouse’s health insurance plan.
If your adult child is not eligible for coverage under their employer’s plan, they may be able to purchase their own health insurance through the Health Insurance Marketplace.
If your adult child has a pre-existing condition, they may be able to get coverage through a high-risk pool.

If you have any questions about removing your adult child from your health insurance plan, you should contact your HR department or your insurance company for more information.