Medical Insurance Dependent

While the definition of a dependent has changed regarding insurance, the changes have expanded who is eligible. Before the Health Care Reform, an insurer could add their spouse and “qualifying child or qualifying relative”without issue. Adding dependents who didn’t meet this specific criteria was much more difficult.. Interest in audits of health insurance dependents is also growing among small employers who are not self-insured. Even if they don't pay the premium for dependents, they still bear the responsibility of making sure only those who are eligible are covered. Ineligible dependents who make large claims also can cause premiums to go up for everyone else.. The Patient Protection and Affordable Care Act (ACA) mandates that all health insurance carriers in every state that offer coverage to both adults and their dependents must allow dependents to remain on their parents or guardians’ “family” plans until the dependents are 26 years old.. The Gross Income test requires that the person in question must have a gross income of less than $4,050 each year to be considered a dependent. To pass the Support test, you must be responsible for at least half the cost of that person's living expenses for the year..

Occasionally, children may have to have their parents enrolled on their insurance plans as a dependent. Parents enrolled on a qualified medical insurance plan will ensure that they receive the medical treatment they need. Parents may or may not be allowed to enroll on an insurance plan, depending on the particular health plan you are enrolled in.. Under the Patient Protection and Affordable Care Act, group insurance plans are required to extend coverage to adult dependents through age 26. Employers may choose to expand the definition of child dependent to include children older than 26; age limits vary by plan..

As the spouse or dependent child of a Veteran or service member, you may qualify for certain benefits, like health care, life insurance, or money to help pay for school or training. As the survivor of a Veteran or service member, you may qualify for added benefits, including help with burial costs and survivor compensation.. Dependent. A child or other individual for whom a parent, relative, or other person may claim a personal exemption tax deduction. Under the Affordable Care Act, individuals may be able to claim a premium tax credit to help cover the cost of coverage for themselves and their dependents..