Grandfathered Health Plans & Defining Adult Children Under the PPACA
The Patient Protection and Affordable Care Act (PPACA) redefined “dependent” to include adult children to age 26. The provision became effective September 23, 2010, and except for grandfathered plans, applied to all group and individual health insurance plans.
Under the new definition of dependent, all adult children to age 26 are considered eligible whether or not they are married, in school, living at home, financially independent, or qualified to enroll in their own employer-sponsored health insurance plan.
To date, there has been one exception: grandfathered group plans are not required to extend health insurance plans to adult children to age 26IFthey are eligible to enroll in their own employer-sponsored health insurance plan. This exception for grandfathered health plans, however, will expire in 2014. After the first renewal date in 2014, grandfathered health plans will be required to extend health insurance to adult children up to 26, regardless of their eligibility to enroll in their own employer-sponsored health insurance plan.