Question: My Daughter recently got hired as a elementary teacher and enrolled in a PPO plan through Blue Cross. She is 23 years old. When she met with the advisor they told her she had to enroll in a plan, she enrolled in the same insurance my husband and I have. Her first paycheck they took out 798.00. She is currently on our plan still as I have never dropped her. Since she is only 23 and she is single with no dependents can she just drop her insurance through her work and stay on ours??if so since she is still on our can she drop hers anytime as long as she shows proof that she is still insured through us or does she have to wait till open enrollment to drop hers. Which isn't until next July ?
Answer: Your daughter can be included in your household health coverage through Covered California until age 26, even though she is employed. However, your household is not eligible for premium assistance or cost sharing enhancements from the time she was offered health insurance at work. If she is still included in your household coverage with Covered California and your household is drawing a subsidy, you will have to pay some of that back for this tax year. I would advise you to drop her from your CC coverage now. It almost always works out better for an individual to take the employer-based coverage, because by law the employer has to pay at least 50% of employee's cost of coverage. If her employer deducted $798 for health insurance, it must cover several months. That's certainly way more than her monthly cost for health insurance.