DEFINITION UNDER PUBLIC ACT 08-147: HEALTH
INSURANCE COVERAGE UNDER PARENTS’ INDIVIDUAL
OR GROUP PLAN FOR UNMARRIED CHILDREN UP TO AGE
EFFECTIVE JANUARY 1, 2009:
Connecticut law now allows parents to cover
certain unmarried children up to the age of 26,
under the parent’s individual or group health
insurance plan. Points to remember:
- "Dependent” does not follow the IRS definition
of dependent. In other words, the adult child
can have a job, be living in their own
apartment, and still be covered by this law.
- The new law does not apply to policies issued
outside of Connecticut.
- Adult children who were dropped prior to
January 1 because of age can re-enroll.
- Coverage ends when the child
- marries, or
- becomes insured under their own
employer’s group plan, or
- ceases to be a resident of Connecticut
(unless they are under 19 or a full time
- reaches age 26
- There is no requirement that the employer
contribute to the cost of the insurance, even if
they do contribute to younger aged dependents.
However, the employer needs to be careful not to
discriminate between individuals in the same
- If an employer’s insurance plan does not
cover dependents, they will not be required to
cover them now. However, the employer’s policy
has to be applied to all employees.
- This is a state insurance law and does not
apply to employers that offer self-insured
plans. (There are a number of large employers in
Connecticut that are self-insured).
FOR MORE INFORMATION: Contact
your employee benefits administrator, or call the
of Insurance’s Consumer Affairs Division.
Department of Insurance
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CONTENT LAST REVIEWED: July2012