How many hours are needed to stay on parents health insurance if you go to a trade school?

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Asked June 28, 2011

1 Answer


In March of 2010, the Healthcare Reform Act was signed into law, and it allows adult children to stay on their parent's health insurance for a longer period of time regardless of whether they still live in the parent's home or not. This law went into effect in September of 2010, and insurance companies will be modifying their policies until around the first of January, 2011. The HRA is intended to make healthcare available to a wider range of people by broadening the scope of insurance coverages and operational requirements.

Prior to this federal insurance act, the age restrictions for health insurance coverage varied from state to state, and many also required that all insured persons maintain a single location of residence, or to attend full time classes as the reason of a different living abode. Under those laws, it was not unusual to be required to maintain 14 credit hours per semester for adult children living away from home, and even with that restriction health insurance was limited to age restrictions ranging from 19 years old to 25.

After the law has become fully effective, the maximum age for adult children to remain on their parents' health insurance coverage will be 26, and that age will be the cut-off limit for all adult children, regardless of whether or not they are attending classes or still living in the family home. Some national health insurance providers have already extended the new age limits, Humana, Blue Cross and United Healthcare among them. Check with the insurance company itself and ask them if they have already adopt the Healthcare Reform Act, and you may find that the the only requirement for young adults is to be under the age of 26 and to not carry employer sponsored or other healthcare insurance simultaneously while enrolled in the parent's health insurance plan.

Answered June 28, 2011 by Anonymous

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