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Dependent Health Insurance Under the Affordable Care Act

Dependent Health Insurance Under the Affordable Care Act

Posted Jan 10, 2013 by Author

When President Obama signed the Patient Protection and Affordable Care Act into law on March 23, 2010, it signaled changes to child health insurance and dependent health insurance for young adults. Here are some of the highlights.

Preventive care

Recommended immunizations and other preventive care for infants, children and adolescents must be provided without cost-sharing, effective September 23, 2010.

Pre-existing conditions

Pre-existing condition exclusions for children are prohibited as of September 23, 2010, even on grandfathered plans.

Dependent coverage through age 26

Effective, September 23, 2010, dependents up to age 26 will be eligible for coverage under their parents’ health insurance plans. This includes married and unmarried children who don’t have access to employer-based coverage through their jobs. The coverage is available to children regardless of their dependent status for tax purposes; however, if they are married, coverage is not available for their spouse. In 2014, the law will allow children to stay on their parents’ plans regardless of eligibility through an employer.

For more details from the Department of Labor, read this fact sheet and FAQ.