Once a child under a parent’s plan turns 26, they will need to enroll in their own plan. If they don’t, they can lose coverage when turning 26. You will typically also lose their contribution amount from your employer when they turn 26 if applicable. Here are a few options that they can take to ensure coverage.
Plan ahead: Coverage usually ends at the end of the month in which your child turns 26, so it’s important to prepare in advance.
Let your benefits administrator or HR team know: They can help remove the dependent from your plan and guide you on next steps.
Help your child explore new coverage options:
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If your employer offers an ICHRA, your child may be eligible to enroll in their own individual health plan and qualify for the ICHRA if they are a qualifying employee.
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If not, they can enroll in an individual plan through the ACA Marketplace — turning 26 qualifies them for a Special Enrollment Period.
BEN360 support is here to help you and your family understand your options. Reach out to support@ben-360.com any time for guidance!