the health reform law requires plans to allow children to stay on their parents' health plan until the age of 26 but that benefit does not extend to grandparents. however if you get insurance at work you should ask your human resources or benefits department. some employers will allow you to add a grandchild to your plan. and if you buy insurance on your own through one of the health insurance exchanges set up under the affordable care act you can also add your grandchild if you claim her as a dependent on your taxes. however we're now outside of the open enrollment period so the only way to add a family member is with an event that would trigger a special enrollment period -- say the birth of a child. just adding her now may not be possible. again you can contact healthcare. gov or call the 800 number (800-318-2596) to discuss your particular case.
am i able to add my granddaughter to my health insurance plan if she is in my care. she is 2 years old?