The Gem State has joined the effort to improve major medical insurance benefits for young adults.

Idaho will start to enforce a mandatory increase in dependent age limits July 1, William Deal, director of the Idaho State Insurance Department, writes in Idaho Bulletin Number 07-6.

A recently signed bill, Senate Bill 1105, has changed the definition of “dependent” in Idaho to increase the minimum age for unmarried dependents to 21, from 19, and to age 25, from age 23, for a full time student who is financially dependent upon the parent.

“Dependent” also must include any unmarried child of any age who is medically certified as disabled and dependent upon the parent, Deal writes.

Carriers can implement the new limits by issuing new policies, or by issuing notices to policyholders telling them about the new rules, Deal writes.

The law applies only to individual policies and group policies that cover 50 or fewer employees.

“State and federal laws governing pre-existing condition exclusions will apply in the usual manner for reenrolled dependents, and carriers should follow their normal rating procedures for newly eligible dependents,” Deal writes.

A copy of the bulletin is on the Web