Adult Child Coverage

For plan years beginning on or after September 23, 2010, health plans that cover dependents must provide coverage to adult children up to age 26 (regardless of marital status, student status, tax dependent status, residency, or parental support). Coverage does not have to be provided to the adult child’s dependents. Regulations imposed notice and special enrollment rules for adult children when this rule first became effective for plan years starting on or after January 1, 2014.

Note: The adult child coverage mandate only applies to certain types of health plans, such as major medical insurance. It does not apply to HIPAA excepted benefits, such as disability, cancer, hospital indemnity, or accident insurance. Click here for more information about the types of benefits that are exempt from the ACA plan design mandates.


Neither American Fidelity Assurance Company nor American Fidelity Administrative Services provides tax or legal advice and, given the complexity of these laws, we always recommend working with your legal counsel on how the laws impact your specific situation. 

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