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Add adult child to parent's health policy


Our guest asks:

I have a daughter age 22 who graduates college and will be automatically removed from the health insurance policy sold by her university. Can I add her back onto my own health insurance policy?

OnlineAdviser responds:

Yes. Just make written application for coverage under your plan 30 days before her current policy expires and include the date of her termination of coverage on the insurance application. Your insurance company will request a "Certificate of Creditable Coverage" that will automatically be mailed to her by her college health plan. Just forward a copy to your insurance company as requested. Under the new federal law, she may remain on your policy until age 26. There is some concern that the Secretary of Health and Human Services could issue additional regulations in the future that might restrict a non-dependent adult or married child from remaining on your insurance until age 26 but this issue has not yet been resolved at this time.

OnlineAdviser and OnlineNavigator services respond to consumer questions in a range of published media. Effective July 1, 2012 all questions about health insurance are governed by the terms and conditions of and other consumer finance questions are handled through although the two services may otherwise be referred to interchangeably in this Web site and other publications. Selected questions and responses related to health insurance are republished here to help others with the same issues. Privacy is protected; personal information is removed prior to publication. These services are provided without charge on a best-efforts basis.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.