I’m under age 26, covered on my parent’s plan as a dependent, and I’m getting married. Does my parent’s plan have to cover my spouse?
No. Your parent’s plan is not required to cover your spouse.
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July 15, 2020 FAQ
No. Your parent’s plan is not required to cover your spouse.
July 15, 2020 FAQ
Yes, as long as you are younger than 26. Being married does not affect your eligibility to be covered as a dependent under your parent’s plan.
July 15, 2020 FAQ
Yes. If your income is between 100% and 250% of the federal poverty level, you can also qualify for cost-sharing reductions. These will reduce the deductibles, copays, and other cost sharing that would otherwise apply to covered services. The cost-sharing reductions will be available through modified versions of Silver plans…
July 15, 2020 FAQ
Yes. Eligibility for group health benefits through your own job does not make you ineligible to be covered as a dependent on your parent’s policy up to the age of 26.
July 15, 2020 FAQ
Health plans that offer dependent coverage must cover dependents up to their 26th birthday.
July 15, 2020 FAQ
You can all enroll in the same family plan, because the ACA requires insurers to offer dependent health coverage to adult children up to the age of 26. Because you no longer claim your daughter as a tax dependent, she is considered to be in a different tax household from…
July 15, 2020 FAQ
Eligibility for premium tax credits is based on your Modified Adjusted Gross Income, or MAGI. When you file a federal income tax return, you must report your adjusted gross income (which includes wages and salaries, interest and dividends, unemployment benefits, and several other sources of income.) MAGI modifies your adjusted…
July 15, 2020 FAQ
No. When you are in a grace period that spans a calendar year, your insurance company will send you a bill for your January premium and will also bill you for your past-due premium debt. If you only pay the January premium, the insurance company can apply that payment to…
July 15, 2020 FAQ
Yes. Although the general rule is that people are not eligible for Marketplace subsidies when they are also eligible for affordable job-based health coverage, there is a special rule for young adults. As long as a young adult is not claimed as a tax dependent by her parents, the availability…
July 15, 2020 FAQ
No, having COBRA doesn’t affect your eligibility for premium tax credits. However, you can only drop COBRA and sign up for a Marketplace plan and premium tax credits during Open Enrollment. You will have to drop your COBRA coverage effective on the date your new Marketplace plan coverage begins. After…