Eligible Dependents and Health Care Reform

The federal government has issued eligibility guidelines for dependent coverage under the Affordable Care Act.

Under these new guidelines, you may continue coverage for your child, regardless of marital status, financial dependency or residency, provided that your child is under the age of 26. “Child” for these purposes is defined as:

  • An individual who is the son, daughter, stepson, or stepdaughter of the subscriber;
  • An individual who was legally adopted by the subscriber;
  • An individual who is placed with the subscriber for legal adoption by the subscriber;
  • A child for whom the subscriber is the court-appointed guardian; or
  • An eligible foster child (defined as an individual who is placed with the subscriber by an authorized placement agency or by judgment, decree, or other court order).

HMSA’s various plans, such as those sponsored by private employers and the federal government, will implement the guidelines at different times.

For more information about health care reform and how it applies to you, visit HealthCare.gov.