Employers, Insurers Must Offer Insurance Coverage to Adult Children

New rules requiring insurers to cover adult dependents up to 26 years of age will have two major effects on physicians.  

First, physicians who offer health insurance to their employees will be required to extend this coverage to employees without any additional cost beyond the family premium. The change is expected to increase the cost of family premiums about 1 percent. 

In addition, physicians with adult children of their own can now keep them on their health insurance plans longer or add them back to their plan if they already aged out of the policy. 

The child does not have to live with his or her parents, be considered a dependent for tax purposes, be unmarried, or receive financial support from his or her parents.

For most plans, the new rules will apply after Sept. 23. Employer-sponsored health plans in existence before the health system reform bill was signed on March 23 can exclude adult children until 2014 if they have access to another employer-sponsored health plan. 

Many insurers have agreed to provide this coverage immediately and not wait until September. Some will wait for the next open enrollment period for their insurance, but the Blues insurers have agreed to extend the coverage immediately. Employers are being urged by the White House to do the same. 

Insurers and employers must provide young adults with a written notice that they have a 30-day window to enroll on their parents’ coverage.  

The interim final regulation was published May 13, 2010, in the Federal Register. It will become effective June 1, 2010.

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Comments: 4


Considering Japan does not have liability insurance problems, could be explanation for decreased cost. Yes, a national health insurance program will be wonderful along with the Medicare, social security and post office failings! Where will I receive care when I reach Medicare age and who will be providing it? We who have paid into Medicare will see our benefits cut so that the younger "I deserve it" generation can have benefits without lifting a finger!

Concerned citizen at 7/30/2010 9:22:18 AM


To anonymous: Last I looked, Germany's average salary for family doctors was about $65,000, so I guess physicians in America are grossly overpaid and we could also save a lot of money by cutting reimbursements down to size! Wanna be the first to volunteer such wage cuts? This post from anonymous is way off base. If you want to save money, just get the government out of your exam room. It's that simple!

anonymous at 7/30/2010 5:53:04 AM


As a parent of a recent college grad who can not find a job with a company that provides health insurance, I am very happy that the insurance can be obtained through my policy. By comparison, companies in many other countries don't have the cost of health insurance to detract from their financial performance, because of universal health insurance, putting U.S. businesses at a competitive disadvantage. The high cost of insurance administeration in our patchwork sytem of healthcare is 30% more than Germany's and 3 times that of Japan. So, we could save costs by simplifying our healthcare system which would also improve the competitive advantage of our businesses.

anonymous at 7/29/2010 6:07:31 PM


...and so it came to pass... We can now jump with joy that the attorney-lead and traditionally the legislative professional majority have succeeded in convincing many AMA and other physicians that reducing our recompense has become more than 'pro-bono' but patriotic (i.e.not racist, partisan,political etc etc"accusation du jour"). How is it that I feel robbed and the profession sink to a new level - "90 day wonders" to succeed traditionally scientifically trained and - in most, not all cases unfortunately - professionally disciplined - all at at 'bargain for the benefit of the masses.' AARP, insurance cos. and many other 'varied and sundry' proponents remain myopic to the subliminal 'legal emasculation' of our profession. No legal-reform. No legislative motivations, no presidential / attorney agenda...'and there is a bridge to be bought by those who don't see the revolutionary changes - the price, the dignity, the undermining, the fiscal and administrative consequences. I am approaching the twilight of my career and the "medicare-age" of uncertainty about my health care availability, affordability and future medical 'advance-abiity.' All to satisfy a historical dream, a presidential legacy, and a seemingly left-wing, attorney driven desire to 'get control' of the most advanced, coveted medical profession and industry.

Dr. Reina at 7/29/2010 2:34:19 PM

Last Updated: 5/28/2010
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