Am I able to be added to my sister’s health insurance plan?
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Asked April 23, 2012
Group health insurance policies allow the primary policyholder to add their spouse and any dependents who live in the home. If you are a legal dependent of your sister, she can add you to her group health policy, but there may be a designated enrollment period which is the only time of the year when new people can be added to the policy. The key is that you must be a dependent of the primary policyholder, and simply being a sibling is not enough.
If you are determined to be added to your sister's policy, you will have to be under the age of 18 and legally adopted or have your guardianship signed over to your sister. In that case, you would be allowed to remain on her policy until you turn 27, because current federal laws stipulate that dependents remain on the guardian's policy through their 26th year.
For all other possibilities, you are not allowed to be included on your sister's policy and will need to either be listed on your parent's policy or buy health insurance coverage on your own. If you cannot afford a health insurance policy and do not have access to group coverage through an employer or organization you belong to, you may be able to qualify for Medicaid. Medicaid has stringent income and other requirements that you must be met to be eligible, but if you are having trouble finding coverage through conventional means it could be the only thing available to you.
Answered April 23, 2012 by Anonymous