Reply to Health Insurance for over 18 child

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Does the coverage through age 26 apply even if the kid is out of college and has their own job that provides insurance?[/quote]

Yes. They can make their work insurance their secondary or not take it if allowed by the corp they work for. [/quote]

I thought their direct insurance through an employer would always be the primary over a parents coverage.[/quote]

Most just decline it. As someone else said, it is like how my husband declines his because he is on mine. Very common practice. Just because it is available to you doesn't mean you have to use the benefit or that that is the smartest thing to do. As others have said, most parents these days if it makes sense just keep their kids on until 26. It helps with healthcare too. Keeps kids getting stable healthcare during what are still fairly unstable years for many young adults (moves, changing jobs, etc.). you also don't have to worry about things like cobra if your kid loses their job. Just way easier all around which is why most people do it. It is a benefit to your child so most who can afford it take it.[/quote]

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