Can a 19year old be covered on parents health insurance?

Yes, depending on the plan and state requirements, a 19-year-old may be covered under their parent's health insurance plan. Here's a general outline of the coverage options:

1. Employer-Sponsored Health Insurance:

- If either parent has employer-sponsored health insurance, the 19-year-old may be eligible for coverage as a dependent.

- Check the specific plan details to understand the age limit for dependent coverage.

- The coverage usually extends until the 19-year-old reaches the age specified in the plan, typically age 26.

2. Individual or Family Health Insurance:

- If the parents have an individual or family health insurance policy, the 19-year-old can generally be added as a dependent.

- Check the policy's terms to determine the maximum age for dependent coverage.

3. State-Specific Regulations:

- Certain states have laws requiring health insurance plans to cover dependent children until age 26, even if they are no longer students or unmarried.

- For example, in California, the Dependent Health Coverage Act (DHCA) mandates coverage for dependent children up to the age of 26.

4. Medicaid or CHIP:

- If the 19-year-old meets the income and eligibility criteria, they might qualify for Medicaid or the Children's Health Insurance Program (CHIP), which provides health coverage to low-income children and young adults.

It's essential to contact your parent's health insurance provider or plan administrator to confirm the coverage options and any specific requirements or limitations for covering a 19-year-old.