What Happens To My Child's Health Insurance Coverage When He/She Turns Age 26?

When your child reaches age 26, he or she is no longer eligible to be covered under your health benefits enrollment. If your child is no longer eligible for coverage and was your only covered family member, you must submit an election form to your Benefits Contact to change your enrollment to “Self Only”. The change is not automatic.

You have 60 days from the date your child turns age 26 to notify your Benefits Contact. He/she will give you information on how your child may enroll in his/her own right for Temporary Continuation of Coverage (TCC) (OPM). The TCC enrollment can be for up to 36 months and the child will have to pay the full premium (no Government contribution), plus a 2% administrative charge. TCC enrollments are also available to you (coverage for up to 18 months) should you leave the Government and for a former spouse should you get divorced (coverage for up to 36 months). All TCC enrollments must be submitted within 60 days of the event allowing the enrollment.

Source: http://hr.od.nih.gov/benefits/news/previousnews/2011/jul11.htm#ChildTurningAge26

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