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Ask the Health Insurance Expert

My daughter started working for the same employer I do. Now the employer asked/told me to drop her from my policy. Is that legal? Can she have dual coverage?

The Affordable Care Act (ACA) mandates that children can stay on a parent’s health insurance policy until age 26, even if the child is gainfully employed. 

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The ACA states that if a plan covers children, these dependents can be added to or kept on a parent's health insurance policy until they turn 26 years old.  Children can enroll or continue on a parent's plan even if they are:

  • Not living with their parents
  • Attending school
  • Not financially dependent on their parents
  • Married
  • Eligible to enroll in their employer’s plan 

As for your daughter having dual coverage, it may beredundant and I cannot see how she would benefit from carrying two plans (yours and her own).

If your employer continues to pressure you to drop your daughter from your health insurance plan, contact your state’s insurance regulator to confirm you and your daughter’s consumer rights in this situation and, if necessary, direct you how to file a complaint.

Last updated: May. 19, 2014
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