Two things

Post #413,820 by drook 9/22/16 6:39:09 PM 9/22/16 6:39:36 PM Reply	Two things 1) The ACA requires that children be covered at least until 26. I haven't seen language saying that it prohibits coverage after that. 2) A child no longer being a child is a "qualifying event" that allows changing your selection. Do you not know this? -- Drew Edited by drook Sept. 22, 2016, 06:39:36 PM EDT Expand All History
Post #413,835 by mmoffitt 9/23/16 8:28:57 AM 9/23/16 8:28:57 AM Reply	Re: (2) It is a qualifying event for my daughter, not for me. https://www.healthcare.gov/glossary/qualifying-life-event/
Post #413,839 by drook 9/23/16 9:58:49 AM 9/23/16 9:58:49 AM Reply	Read much? You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days OR expects to lose coverage in the next 60 days. https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/ -- Drew
Post #413,840 by Another Scott 9/23/16 10:26:58 AM 9/23/16 10:26:58 AM Reply	Might depend on what "household" means here. But I think your interpretation is likely correct. It doesn't make much sense to be able to pick a different policy in one case and not the other. A quick Google doesn't tell me explicitly what happens to the parents' policy choices when the 26 year old is no longer covered. Cheers, Scott.
Post #413,842 by drook 9/23/16 10:46:08 AM 9/23/16 10:46:08 AM Reply	They're covered https://www.healthcare.gov/income-and-household-information/household-size/ Non-dependent child under 26 Sometimes Include them only if you want to cover them on your Marketplace plan. If they're on your plan, they're considered a household member. -- Drew
Post #413,847 by mmoffitt 9/23/16 12:59:16 PM 9/23/16 12:59:16 PM Reply	That's because ... like continuing coverage past the birthday, to the next billing cycle, to the end of the month, etc. it is up to (1) the insurance company (2) the State and/or (3) the employer. I won't disagree that most insurance companies will allow you to switch plans after your youngest has his or her 26th birthday, but our broker has told us that a plain text reading of the law does not compel the carrier to do that.
Post #413,854 by drook 9/23/16 1:50:05 PM 9/23/16 1:50:06 PM Reply	Didn't you say ... Because in March the ACA forbids you from continuing to cover your child under your health insurance policy and because the private health insurer will not allow you to change plans mid-cycle http://forum.iwethey.org/forum/post/413805/ Now you're down to ... I won't disagree that most insurance companies will allow you to switch plans after your youngest has his or her 26th birthday, but our broker has told us that a plain text reading of the law does not compel the carrier to do that. So a plain reading does not compel them, according to your broker. This wouldn't by any chance be a broker you have selected because he agrees with your less-than-charitable views of the industry, would it? You also aren't disputing my assertion that the clear intent of the law is that children must be covered at least until they are 26, and that their birthday is intended to be considered a qualifying event on the policy under which they're covered. -- Drew

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