Life & Health Insurance/Health insurance


Hello, my adult son lives with us and cannot work due to several health problems. What do I need to do to make sure he can stay on my work health insurance after he is 26? Thanks.

The Affordable Care Act states that individuals may remain on their parents' policy as dependents until 26. Over the past 4 years, I have not read any research allowing exceptions to that law. I would ask an attorney to research that for you.

It might be in yours and his best interest to place your son on an individual plan of his own. Unless you currently have multiple children on the group plan, individual coverage is going to be less expensive than Employee + Children or Employee + Family on the group plan. The only exception would be if the employer pays for a good portion of the dependent cost, which is very unlikely. Many people insure the employee only on the employer plan because the rate must be covered by the employer at no less than 50% of the lowest cost plan offered. Then, the rest of the family enrolls in an individual plan because the cost is typically lower. Not all the time though.

All in all, speak with an attorney, because I have not read or heard anything that would allow exceptions to the 26 years old mandate. If there is, there is legal jargon associated with that that I am not capable of discussing.

Life & Health Insurance

All Answers

Answers by Expert:

Ask Experts


John Claborn


Any question on individual or employee-sponsored health insurance, Term life insurance, or Medicare questions. I cannot answer any question involving investment funded life insurance or any government-sponsored entitlement question that does not involve a private insurance company.


Our agency has over 35 years of combined experience. I, personally have been in the insurance business for 6 years. I have dealt with every type of client out there, young and old.

Texas Association of Health Underwriters Lubbock Association of Health Underwriters - Media/Communications Chair Young Professionals of Greater Lubbock Premier Networkers of Greater Lubbock (President)

Bachelor of Arts in Economics from Texas Tech University. Associates of Arts in Business Administration from Frank Phillips College.

©2016 All rights reserved.