age kids can be on parents insurance
Having her own policy would usually be more expensive than her remaining on yours, so while she stays at home she can save money by continuing to drive your cars and be on your auto insurance policy. Parents’ insurance covers children up to age 26 — but not for pregnancy. Print Article Comments. Resize Text. Print Article. Comments. By Michelle Andrews August 6, 2012. The health-care overhaul provides a safety net for young adult children, who can now stay on their parents’ health plans until they reach age 26. But it doesn’t guarantee that their parents’ plan will cover a common medical condition that many young women face: pregnancy. Unlike other types of insurance policies, such as health insurance that allows a child to stay on until they turn 26, there is not a cutoff age for auto insurance. Answer: Congratulations on your daughter's graduation. There is no certain age at which a child must be taken off your car insurance policy, as long as he or she is living at home. If children under the age of 26 do not have access to other employer-based insurance plans, they can be added to parents’ plans to be effective January 1, 2011; the restriction is lifted so this feature is available to all children under the age of 26 on January 1, 2014. Some provisions of the health insurance reform law haven’t taken effect yet. However, a relevant piece of the legislation takes effect September 23, six months after the bill was signed into law. This provision declares that children can be included on parents’ health insurance plans until the age of 26. The reader did not specify the age of the sons, but if they fall into the allowed range, the number of credit hours enrolled in college is irrelevant. If your adult child has a driver's license and is living in your home, then normally your car insurance company will actually mandate that she is listed on your policy -- whether she is 18, 26 or 46. Health coverage for children under 26. If a plan covers children, they generally can be added to or kept on a parent's health insurance policy until they turn 26 years old. Children can join or remain on a parent's plan even if they are: 1  Married. 2  Not living with their parents. 3  Attending school. Health insurers must cover members’ children until age 26, but this rule does not include pregnancy. They said the new law did not effect them yet. Any answers for this would be great. A Consumerism Commentary reader wrote in with the following question: I called our health insurance company about adding our sons back on our policy and they said they still had to be in school for 12 credit hours.
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