Question: I have 3 kids, the two older kids will live in another state for school. Do they have take that state’s ACA-compliant Marketplace plan, or can they be on our Covered California family PPO plan? Is the dependent-through-age-25 rule only a consideration if the child is filed as dependent on taxes?
Answer: Your “children” between the ages of 19 and 26 can be included in your family plan (PPO) with Covered California even though they are out of state and/or are not claimed as dependents. However, that may not be your best option financially. Let’s say that your older child attends school but has a low-income job and maintains a residence off-campus. He or she may qualify for Medicaid or highly subsidized exchange coverage individually.