Reply to Health Insurance for over 18 child

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[quote=Anonymous][quote=Anonymous]Once you stop covering a kid who is over 18 can you add them back on to your insurance if you need to? I’d check that out before dropping them.

Almost every recent grad that I hire stays on their parents insurance until they are 26.[/quote]

Yes, you can. I had insurance through my employer in my early 20s (just post-ACA) and then moved and switched jobs. The employer insurance was awful, COBRA was eye-wateringly expensive, and it would not have covered anything in the location I was moving to anyway. The new job was in a school system so there was going to be a 4-month gap with no insurance until my new benefits kicked in in the fall. Losing the insurance from the job I left counted as a "qualifying event" and I was 25.5 at the time so my mother (a fed) had me put back on their insurance with one phone call. There were no issues, I was covered from the following day. It covered me for the summer and my new insurance kicked in one week before my 26th birthday. [/quote]

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