How Long Will My Health Insurance Cover My Children?
Under most individual health plans, your child’s eligibility for coverage
will automatically stop when they reach age 18. Other insurance plans will
continue to offer coverage to your children as long as they are full-time students
up until they reach 23 to 25. That’s why you’ll definitely want
to familiarize yourself with the provisions your health plan makes for students
over the age of 18.
Health coverage for your child gets a bit more complicated if you’re
a divorced single parent. Because of what’s known as the “Birthday
Rule,” (the method insurance carriers use to determine which parent’s
health plan covers their children) you'll need to find out whether your health
insurance or your ex-spouse's healthcare plan will be responsible for providing
for your child's medical needs.
If it turns out that your children are covered under both health plans, normally
the insurance of whichever parent has custody will be responsible for paying
your child's healthcare first, while the health plan of whichever parent does
not currently have custody will pay second—unless a divorce court has