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My Child Is Coming Off Of My Insurance, Can They Get COBRA?

My child is coming off of my insurance, what do I do now?

The Affordable Care Act requires that adult children may be included in their parent’s group health insurance until the age of 26. When the child ceases to be a dependent, the type of qualifying event is known as “loss of dependent status”. So what is next?

What To Do When Parent’s Health Insurance Ends

There are only so many choices and it’s a big decision depending on where the former dependent child is at in life. Here’s 3 options:

  • Continue on the same qualified group health plan, through COBRA, for the same benefits
  • Get a qualified health plan, through work or a health insurance marketplace, for the most coverage
  • Get a short-term health plan, for affordability

If COBRA is an option, before your dependent reaches the age of 26, be sure to contact your employer’s human resources department and ask for COBRA paperwork to have them enrolled. Continuing on the same health plan through COBRA may last up to 36 months.

It’s important to remember that your employer will no longer subsidize your former child’s health insurance like they do via paycheck deduction. When continuing health insurance under COBRA the entire premium must paid and there may be a 2% administration fee.

COBRA Eligibility

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Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.

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*Eligibility for short term medical insurance is based on age and state availability.

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