What happens to 26 year olds currently on their parents' plan when after they reach 27 and have no

[CTyankee]

health insurance? If their birthday is later than the open enrollment time now ticking away, how do they sign up? Is an automatic notice sent to them as the birthday nears, offering an Obamacare policy to them?

[elleng]

1. Don't know, yank,

but will have to find out, as Julie will be in that situation! EXCEPT, OPM erroneously changed my Federal health coverage to 'Self-only' from Family in October, somehow messing up after John's death, and Julie learned a while ago that she was not covered. I've written to OPM, and hope they remedy this quickly! She's got 6 months left!

[CTyankee]

7. Oy. Hope it gets resolved!

[elleng]

10. I expect it will.

Spoke with an SEC personnel person who confirmed its an error, said I should get in touch w OPM. In the mean time, Julie can afford to pay her doc for a visit.

[enlightenment]

2. Basically, yes.

There are provisions for enrollment due to changed circumstances - aging out of parent's plan, new job, etc. At least that's what the official blurbs say.

[CTyankee]

8. Thanks. I figured there had to be a follow through plan but you never hear of it...

good to know that those kids could get transitioned into the federal plan...helps with the supply of younger, healthier adults into the system!

[Live and Learn]

3. Children are only eligible up to (not through) age 26.

Turning 26 would be a Qualifying Life Event that allows you to enroll outside the normal enrollment period.

[beachbum bob]

4. i guess at 26 they will

Actually have find out information. Google is a great thing

[valerief]

5. I guess that would be a qualifying life event.

https://www.healthcare.gov/how-can-i-get-coverage-outside-of-open-enrollment/

[PoliticAverse]

6. First the key day is the 26th birthday not 27th.

What happens at that point is first up to the insurance company which may just allow the 26th year old to
remain on the policy until some other cutoff age. If the 26 year old isn't allowed to remain on the policy
this constitutes a 'qualifying event' which allows them to get a policy outside of normal 'open enrollment'
(they have at least 30 days to decide, possibly longer depending on the state).

For more info see:
http://www.dol.gov/ebsa/faqs/faq-dependentcoverage.html
http://www.hhs.gov/healthcare/rights/youngadults/

[CTyankee]

9. wonderful. Thanks. good information and links...