One of the first aspects of health care reform (“Obamacare”) to take effect was a rule that children of policyholders can stay on their family plans through age 26. This is especially important both for parents who have children with special needs and anyone whose children are facing employment difficulties in the current economy.
A client recently asked if she needed to treat her son a dependent on her tax return in order to include him on her insurance policy. The answer is no. Any child under age 26 is eligible for coverage, even if they are:
- married
- not living with you
- attending school
- not financially dependent on you
- or eligible to enroll in their employer’s plan.
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