With respect, I think your experience may have been a few years ago, before Obamacare. Under the ACA all children are covered on their parent's family insurance plan until they are age 26. It does not matter if they are students, it does not matter if they live at home, it does not matter if they are married.The new law says the insurance carrier must keep the on the plan until age 26 if you have a family policy.
The only exception is if they have a job that offers them health insurance . In that case, even it it is worse coverage, they must accept it and they insurance company has no obligation to keep them on the parent's policy. .
Not true on the insurance and that is why its a subject parents might want to discuss on the boards -- it really depends on the parent's insurance policy.
In our case the child has to be in school full time (and that is determined by what the school says is full time) == which would be 12 hours each semester so my daughter did not qualify for the insurance she had been previously covered under. This varies greatly from one company to the next, from one insurance policy to the next. That meant we had to look for alternative insurance (or not) and I could share with other parents what we ended up doing.
That is NOT the Only exception. The law actually reads "certain grandfathered plans". Learned this the hard way as Verizon dropped BOTH my adult kids because their father is retired, no longer an "active" employee. So there ARE cases where the law does not apply. In fact, after 30 YEARS of coverage for me, we had to produce a marriage license to verify MY coverage.
She took a class in the summer when she got back. She also ended up taking 21 credits and did an internship this past fall semester trying to play catch up. She will graduate in Dec. of this year instead of May.
