Question: I am 21 years old and I have a 5 month old son. My fiance and I are ready to get married as soon as we understand our health insurance situation. I am currently covered under my mothers insurance. My fiance is covered by his parents, and our baby has Medicaid right now. What are the options for each of us. I have heard that once you’re married you can not be covered under parents. I have also heard that is not true and that until you’re 26 or graduate college you can be covered. Which is true? And what are the options for our son? I know the new act effective in 2014 will offer us insurance, but for one that is a while from now, and two, is it REALLY affordable? We do not make much money, and won’t for a while. We are still studying in order to get better jobs.
Answer: You heard wrong. You can both stay on your respective parents’ health insurance coverage while married until you reach age 26. Being a student is no longer a consideration either. As long as your son qualifies for Medicaid, you can leave that alone too. In Jan 1, 2014, Obamacare will provide your family with either Medicaid or federally-subsidized private insurance at little or no cost to you (if you are still in the low-income range). So you are good to go. Get married. You have my blessing.