Can My Adult Autistic Child Stay on My Health Insurance After Age 26?

Millions of Americans rely on the Affordable Care Act (ACA) for their health insurance coverage. The ACA has made it easier for people with pre-existing conditions to get coverage, and it has also expanded Medicaid to cover more low-income Americans.

One of the most important provisions of the ACA is the dependent coverage mandate. This mandate requires health insurance plans to cover children up to the age of 26, even if they are not living at home or financially dependent on their parents.

What Does This Mean for Parents of Children with Disabilities?

For parents of children with disabilities, the dependent coverage mandate is a lifeline. It allows their children to stay on their health insurance plan even after they turn 26, which can be a huge financial burden.

How Can I Ensure That My Child is Recognized as Disabled?

In order for your child to be recognized as disabled, they must meet the Social Security Administration’s (SSA) definition of disability. This definition is based on the following criteria:

Your child must have a physical or mental impairment that prevents them from working.
Your child’s impairment must be expected to last for at least 12 months or result in death.
Your child’s impairment must be severe enough to prevent them from performing any substantial gainful activity.

If your child meets these criteria, you can apply for Social Security Disability Insurance (SSDI) benefits on their behalf. If your child is approved for SSDI benefits, they will be considered disabled by the SSA and will be eligible to stay on your health insurance plan until they turn 26.

What if My Child Does Not Qualify for SSDI Benefits?

Even if your child does not qualify for SSDI benefits, there are other ways to ensure that they can stay on your health insurance plan after they turn 26. One option is to purchase a separate health insurance policy for your child. Another option is to enroll your child in Medicaid.

How Can I Learn More?

If you have questions about the dependent coverage mandate or how to ensure that your child is recognized as disabled, you can contact your health insurance company or a licensed insurance agent. You can also visit the website of the Social Security Administration.

Don’t Wait, Contact a Licensed Agent Today!

If you are the parent of a child with a disability, it is important to take steps to ensure that your child has health insurance coverage after they turn 26. Contact a licensed insurance agent today to learn more about your options.