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OnlineAdviser forum
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. Consumer finance adviser Tony Novak answers guest questions for
OnlineAdviser publications in a range of published media. Selected questions and responses related to
health insurance are republished here to help others with the same issues. Personal information is removed
or disguised prior to publication. OnlineAdviser service is provided without charge on a best-efforts basis.
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