Can my 20 year old son continue to stay on my health insurance or does he have to get it through his new job?

The guidelines for this situation are:

1. If the insurance company wants to let everyone in this situation stay on the insurance, then they can.

2. If the insurance company does not want to let anyone in this situation stay on the insurance, then your son can't stay on your insurance, but he does not have to get it through his job. He has two options:

a) He can get it through his job, or

b) He can get insurance on his own, buying it directly from an insurance company or through a broker or agent, without getting through any job.

In general, the guidelines (not applicable to your exact situation) are:

1. Most private insurance plans will cover children under 19.

2. Most private insurance plans will cover full time students until age 24.

3. By law, if the person cannot get insurance through his or her own job and is not married, then the person can stay on the insurance until age 26.

4. By law, if the person cannot get insurance through his or her own job and is married, but cannot get insurance through his or her spouse's job, then the person can stay on the insurance until age 26.

As I said yesterday, he can stay on your plan for any reason, even if he is eligible to enroll in his employer’s plan. It doesn't matter if your plan is private or through an employer.

The issue here is the changes to the regulations happen daily. Those regulations printed out make a stack of papers almost 8 feet high and it's growing taller as we speak. What is true today may not be true tomorrow and definitely wasn't true yesterday. The whole thing is in such a state of flux that it is difficult to keep up with it.

Only your insurance will know if your PRIVATE policy is governed by Obamacare.

However, if this is the only child you carry on the plan, it's probably cheaper for the child to get their own policy. You are probably paying the same cost for one or multiple children and is based on having 2 children covered. Thus him getting his own plan, you/he would only be charged for the single person.

Is your plan Grandfathered? It's probably not, if there have been any changes in the last few years. Grandfathered plans have different requirements--they do not have to allow non-dependent children on the plan if they other insurance available to them. You'll have to confirm with the Plan if he's allowed to remain on your coverage until age 26 (and maybe longer depending on your state!).

AND, if he loses his other coverage, regardless of reason, that's a qualifying event, and he should be able to come back on your coverage.

He does not have to get it through his new job.

Personally, I would keep him in your plan if you can afford this.

Kids tend to "not stick" to things.

Colleges offer health insurance for their students very cheaply.

Plans start out at $150 a semester (not month).

Of course, high deductible, but that's all he really needs.

This is your choice. Under the new Obama care he can stay on you plan until age 26. This doesn't mean you have to keep him on your plan. If he is eligible for insurance on his own through his job then he should sign up and you can remove him from your plan.

It's a private plan so he can stay on your policy. He doesn't have to get the insurance that his employer is offering.