Question: Are small & large employers required to offer coverage to dependent children under 21? I know they don’t have to offer to spouses so they could go to the exchange, but if they are required to offer to dependent children then that could mean alot of children who’s household incomes above 250% could be with out coverage since they would not be eligible for tax credits on the Covered California Exhchange, therefore the parents may still not be able to afford coverage for their children.
Answer: Neither small nor large employer-sponsored groups are “required” to offer coverage to dependent children, but currently all small groups in California do and most large groups do as well. The same is true of spouses. And, yes, since spouse and dependent coverage is “offered”, even without an employer contribution, the family is not eligible for premium assistance in the exchange. This is an IRA ruling not a Covered California decision.