Are Kids Automatically Included on Their Parents' Health Insurance Plans?


Quick Answer

Children are not automatically included on their parents' health insurance plans. Children must be enrolled and added to the parents' existing health insurance plan, or the parents may need to complete a new application, according to Aetna and HealthCare.gov.

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Full Answer

The Affordable Care Act mandates that all large employers must offer health care coverage to their employees' children up to age 26, as stated by Unum. The law also mandates that health insurance plans and issuers that offers dependant coverage must extend coverage to enrollees' children until they turn 26. This coverage extends to adult children under 26, even if they are not claimed as a dependent on a parent's tax return, not living with the parents, or are no longer a student, according to the U.S. Department of Labor.

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