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Dependent Coverage Rules

dependent coverage

1 minute read

Many school, city, and county employers offer health insurance coverage to their employees as well as their dependent children. Here is an overview of the Affordable Care Act rules that employers must follow when offering dependent coverage:

  • Individual and group health plans which offer dependent child coverage must provide this coverage until the child attains age 26. (Some state laws may require plans to provide dependent coverage beyond age 26. And some state laws apply to all dependents while others may require coverage to be provided beyond age 26 to disabled dependents.)
  • These dependents must be offered all benefit packages and can’t be required to pay more for coverage than similarly situated individuals.
  • Dependent child coverage cannot be based upon marital status, enrollment in school, financial dependency, residency, or other factors.

Employers should review their health plan rules regarding dependent coverage to ensure that their health plans are compliant.

Download the bulletin for more details.

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National Insurance Services is not a law firm and no opinion, suggestion, or recommendation of the firm or its employees shall constitute legal advice. Readers are advised to consult with their own attorney for a determination of their legal rights, responsibilities and liabilities, including the interpretation of any statute or regulation, or its application to the readers’ business activities.

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Steve Ott

Steve Ott

Steve Ott is a licensed insurance agent and Registered Representative with Series 6 and 63 securities licenses. He values hard work and determination – traits he learned while growing up on a farm in central Nebraska and later from participating in collegiate sports. Living life with integrity, doing the right thing, and giving back are core principles instilled by his parents and several mentors. Because of these learned values and his work ethic, Steve quickly rose to his current position, Regional Vice President, after starting with National Insurance Services in 1996 as an Account Representative. Steve specializes in Life Insurance, Disability Insurance, Special Pay Plans (SPP) , HRAs, and 403(b)s for school districts, cities, and counties in Nebraska, Iowa, Kansas, Missouri, and South Dakota.