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New York: 29 Is The New 18

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The Empire State now will permit unmarried children to get dependent coverage through their parents’ group plans through age

New York Gov. David Paterson, D, has signed S. 6030, a law that expands eligibility for the dependent coverage benefits available through state-regulated group health plans.

The new law, which takes effect Sept. 1, makes dependent coverage available to young adult children even if the children are not financially dependent on their parents, according to a legislative memo summarizing the bill.

To stay eligible for coverage through their parents, the young adults must live, work or reside in New York state, or in the service area of the insurer, and they must not be eligible for Medicare or for employer-sponsored health coverage.

The adult children or their parents must pay for the coverage.

The dependent children and their parents can elect young adult continuation benefits within 60 days following the date when coverage would terminate due to age; within 60 days after the dependent children meet the definition of “adult child”; or during an annual 30-day open enrollment period.

A copy of the memo about the new eligibility age rules is available here.