How Long Can I Keep My Children on my Health Insurance Policy in PA?

Health insurance is a difficult subject right now in this country, but the fact remains that it’s crucial to have. As a parent, you naturally want to help your children out however you can and keep them healthy. Whether you currently have them on your health insurance policy or are looking to add them, it’s only normal to wonder how long you’ll be able to keep them covered.

Those of us at Henderson Insurance Agency have families of our own, and we want to help others across the Harrisburg, PA area get the health coverage they need for their loved ones. Here’s what you need to know about keeping your children on your health insurance plan : 

The Federal Law is Age 26

Changes made to federal law during the Obama administration moved up the age of child dependents on your health insurance plan to age 26. While some changes to current health laws have been made in recent years under the Trump administration, this age has not changed. This means that once your children turn 26, their time on your insurance plan will be up at the end of their birthday month. Children can stay on their parents’ health insurance plan even if they are married, living separately from you, attending a school or otherwise financially independent.

If you have a marketplace health plan, however, your children may be eligible to stay on your health plan until the end of the year (the calendar year– December 31) that they turn 26, regardless of what time of the year their birthday is.

Pennsylvania State Laws

As far as age goes, Pennsylvania follows the federal law of age 26 for children staying on a parental health insurance plan. That said, Pennsylvania’s low-income health insurance program (known as Medicaid or CHIP) only permits children to stay on their parents’ plans until age 19.

If you are looking to add your children to your health insurance plan or would like to help your adult child find their own policy, give us a call or come visit the Henderson Insurance Agency offices at your convenience. We serve families in the Harrisburg, PA area and beyond.