How long can I keep my child on my Cigna health insurance?
Asked by: Dr. Berniece McKenzie | Last update: August 17, 2025Score: 4.7/5 (25 votes)
How long can my child stay on my Cigna health insurance?
Eligible Dependents
To be eligible for Dependent coverage under the plan, your Dependents must be eligible. Your Dependents are: Your lawful spouse; • any child of yours who is: • less than 26 years old.
How long is child covered under health insurance?
The Affordable Care Act requires plans and issuers that offer dependent child coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage.
Does Cigna cover you after 26?
If you've turned 26,1 you're no longer covered by your parents' plan. So it's time to choose the plan that's right for you.
Can I drop my 17 year old from my health insurance?
How long can children stay on their parents' insurance? Most states allow you to stay on your parents' health plan until you turn 26 years old, though there are a few states that offer extensions under certain circumstances.
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At what age are you no longer a dependent for health insurance?
You can stay on a parent's plan until you turn 26
Once you're on a parent's job-based plan, in most cases you can stay on it until you turn 26. Generally, you can join a parent's plan and stay on until you turn 26 even if you: Get married.
Can I remove my adult child from my health insurance?
A: You can include eligible children on your plan until they reach age 26. Your health plan will discontinue coverage on your children's 26th birthday. Your 26-year-old adult children must enroll in their own plan within 60 days of their 26th birthday.
What are the dependent requirements for Cigna?
Dependents are: your lawful spouse; or • your Domestic Partner; and • any child of yours who is • less than 26 years old. by you and incapable of self-sustaining employment by reason of mental or physical disability.
Do I lose my parents' insurance the day I turn 26?
Until your 26th birthday, you are eligible for coverage under an enrolled parent's health insurance plan, even if you are married, not in school, or not living with them. But once you turn 26, you age out and aren't eligible for their plan anymore.
How much should a 26 year old pay for health insurance?
How much does health insurance cost for a 26-year-old? A Silver health insurance plan through the marketplace costs an average of $468 a month for a 26-year-old. You may qualify for ACA subsidies if you earn between $14,580 and $58,320 a year ($30,000 and $120,000 for a family of four).
How long can a child be a dependent?
To meet the qualifying child test, your child must be younger than you or your spouse if filing jointly and either younger than 19 years old or be a "student" younger than 24 years old as of the end of the calendar year.
Do I lose my parents insurance the day I turn 26 Aetna?
The Patient Protection and Affordable Care Act (PPACA) requires plans and issuers that offer coverage to children on their parents plan, to make the coverage available until the adult child reaches the age of 26, even if the young adult child no longer lives with his or her parents, is not a dependent on a parent's tax ...
Can I stay on my parents' insurance if I file taxes independently?
Do my parents have to claim me as a tax dependent for me to be on their health plan to age 26? No. You do not need to be a tax dependent of your parents to continue to be covered on their health plan.
How long is my child covered under my health insurance?
If your parent's plan covers dependents, you usually can get added to or stay on your parent's health plan until you turn 26 years old. You can join or remain on a parent's plan even if you are: Married. A parent.
What does Cigna not cover?
Excluded medical equipment includes, but is not limited to: air purifiers, air conditioners, humidifiers treadmills; spas; elevators; supplies for comfort, hygiene or beautification; wigs, disposable sheaths and supplies; correction appliances or support appliances and supplies such as stockings, and consumable medical ...
What is the Cigna lifetime maximum?
The lifetime maximum is separated into two parts: $50,000 is allocated to benefits under the medical plan, and $50,000 is allocated to pharmacy benefits.
How long after you turn 26 can you stay on your parents insurance with Cigna?
Employee health plans are required to reimburse medical care expenses to any covered dependents until their 26th birthday, or the scheduled termination date determined by the plan (such as end of month or end of year following the 26th birthday).
Does turning 26 count as a life event for insurance?
Turning 26 is a milestone birthday when it comes to health insurance because you're no longer eligible to stay on your parents' health plan. However, turning 26 is considered a qualifying life event—which makes you eligible (qualifies you) to buy health insurance during a special enrollment period.
Do I lose my parents insurance the day I turn 26 United Healthcare?
Since 2010, young adults have been able to stay on their parents' health insurance plan until they turn 26. They can even stay on it if they have a job that offers health insurance, are married, are in school or no longer live with their parents.
How do I add a child to my Cigna insurance?
If you have company health insurance, you must notify the human resources department to allow them to make the necessary arrangements. If you have individual insurance, you must contact our Customer Service team who will tell you what you need to do to request the addition.
Can I add my boyfriend to my Cigna health insurance?
Domestic Partner
the above which can be made available to Cigna upon request. of the same or opposite sex. You and your Domestic Partner must have registered as Domestic Partners, if you reside in a state that provides for such registration.
Is there a waiting period for Cigna health insurance?
There are no waiting periods for medical plans, including for pre-existing conditions. When choosing a health plan, consider your medical needs.
Do I lose my parents' insurance on my 26th birthday?
You can stay on your parent's plan until coverage ends December 31, even if you turn 26 mid-year. But be sure to apply for your own Marketplace plan for next year during Open Enrollment (November 1 – January 15 each year). Act by December 15 for coverage to start January 1.
Can my parents take me off their insurance before 26?
Individuals under the age of 26 can stay on their parents' health insurance plan even if they have health insurance available through their employer, have children, are not claimed as a tax dependent, are married or live outside of their parents' home.
What happens when your child turns 26?
When your child reaches age 26, he or she is no longer eligible to be covered under your health benefits enrollment, unless your child is incapable of self-support because of a mental or physical disability that existed before age 26.