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Understanding Dependent Coverage Limits and Qualifying Life Events

Coverage under a medical plan for dependents officially ends on the last day of the month following the dependent’s 26th birthday. For example, if a dependent turns 26 on January 10, their coverage would end on January 31 of the following year.

Additionally, the loss of coverage when a dependent ages out is considered a qualifying life event. This means that the dependent may be eligible for options such as COBRA continuation coverage or enrollment in a health insurance marketplace during a special enrollment period.

Key Points:

  • End of Coverage: Coverage ends on the last day of the month after the dependent turns 26.
  • Qualifying Life Event: The loss of coverage triggers a qualifying life event, allowing for COBRA or marketplace enrollment.

Understanding these details can help in planning for health coverage transitions as dependents reach the age limit.