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Dependent Health Insurance Under the PPACA

When President Obama signed the Patient Protection and Affordable Care Act (PPACA) into law on March 23, 2010, it signaled changes to child health insurance and dependent health insurance for young adults. Here are some of the highlights.

Preventive care: Recommended immunizations and other preventive care for infants, children and adolescents must be provided without cost-sharing, effective September 23, 2010.

Pre-existing conditions: Pre-existing condition exclusions for children are prohibited as of September 23, 2010, even on grandfathered plans.

Dependent coverage through age 26: Effective, September 23, 2010, dependents up to age 26 will be eligible for coverage under their parents’ health insurance plans. This includes married and unmarried children who don’t have access to employer-based coverage through their jobs. The coverage is available to children regardless of their dependent status for tax purposes; however, if they are married, coverage is not available for their spouse. In 2014, the law will allow children to stay on their parents’ plans regardless of eligibility through an employer. For more details from the Department of Labor, read this fact sheet and FAQ.

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Payment Options

Monthly payment options are available for 6 or 12 month policies. If you select this option, and your need for insurance ends before your coverage period ends, you can cancel at any time through written notification to our Policy Service Department. Otherwise, coverage stops at the end of the period for which you apply. (The 12 month coverage option is not available in all states.)

Single payment discounts are available for policies 30-180 days. The policy premium and all applicable fees must be paid in full. Policy premium is refundable if the policy is cancelled within the 10-day free look period. After the 10-day free look period, all premium and applicable fees are not refundable upon early cancellation of the policy. Coverage stops at the end of the period for which you apply.

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