As parents, we want nothing more than to keep our children safe, happy and healthy. Getting one’s children protected with health insurance is, therefore, a priority for many Utah parents, but just how long can children stay on one’s policy? The regulations vary depending on a variety of factors, but our experts at Smart Way Insurance Agency are here to help parents in Sandy, UT and surrounding areas navigate this often confusing subject.
We’ll start with the basics. The age at which children can stay on their parents’ Insurance was last changed (not just in the Sandy UT area but nationwide) in 2014 with the enactment of the Affordable Care Act. This moved the cutoff age to 26, allowing parents to help out their children even longer as they transition into adulthood. Fortunately, there is a grace period. Many insurance plans now require children to be taken off of their parents’ policy at the end of the month that they turn 26, while others (such as marketplace plans) allow children to stay on until the end of the year that they turn 26. In most cases, they can also only stay on after the age of 28 if they are also listed as dependents.
Now, it’s worth noting that it is possible that the age limit will change in the near future due to the Federal government’s frequent attempts to change healthcare laws. Fortunately, those of us at Smart Way Insurance Agency keep a close eye on insurance laws to make sure none of our clients get left in the dark.
If you live in the Sandy, UT area and are interested in learning more about health insurance options for you and your children, Smart Way Insurance Agency is here to answer all of your questions and help you get the coverage you need. Give us a call or drop by our office when you’re ready.