Understanding Health Coverage for Dependents Under the ACA
Under the Affordable Care Act (ACA), young adults have the right to stay on their parents’ health insurance plan until they turn 26. This is true even if the young adult is married, financially independent, or no longer lives at home.
What Happens if Parents Remove You from the Plan?
However, the ACA does not prevent parents from removing their children from their health insurance plan before they turn 26. While it is not common, some parents may choose to do so for financial or personal reasons.
If your parents remove you from their health insurance plan, you will need to find other coverage. You can do this through your employer, the Health Insurance Marketplace, or a private insurance company. If you are unable to find affordable coverage, you may be eligible for Medicaid or CHIP.
Consequences of Being Removed from Parents’ Plan
If you are removed from your parents’ health insurance plan before you turn 26, you may face the following consequences:
You will have to pay for health care out of pocket, which can be expensive.
You may not be able to get the same level of coverage as you had on your parents’ plan.
You may have to wait until the next Open Enrollment Period to get health insurance through the Health Insurance Marketplace.
What to Do if You Are Removed from Your Parents’ Plan
If you are removed from your parents’ health insurance plan before you turn 26, you should take the following steps:
1. Contact your parents to see if they can reinstate you on their plan.
2. If your parents are unable to reinstate you on their plan, you should contact the Health Insurance Marketplace to see if you qualify for coverage.
3. You can also contact your state Medicaid or CHIP office to see if you qualify for coverage.
Seeking Professional Help
If you are having difficulty obtaining health insurance or understanding your coverage options, it is important to seek professional help. You can contact a licensed insurance agent or a health insurance broker. These professionals can help you find affordable coverage that meets your needs.
Question? or Need a Free Quote?
Contact Us
Reach out to us for free expert insurance advice and solutions. We will help you solve ACA (Obamacare) related questions and problems. Will contact you within 24 hours of receiving your message.