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Ask the Health Insurance Expert

My 24-year-old will be eligible for health coverage on her job, but can I still carry coverage and let her save that money?

The key here is to find out if your health plan is "grandfathered." That's a term the government uses for health plans that are allowed to sneak past the Affordable Care Act. Ask your benefits administrator at work.

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If your plan is "grandfathered," it is not required to extend coverage to young adults if they are eligible for a health plan at their work. Here's more info from HHS.

Even if the plan is grandfathered, ask if they will allow her to be on the plan; some insurers are following provisions of the Affordable Care Act even though they don't have to.

Last updated: Nov. 10, 2012
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