Thursday, September 13, 2012

Coverage for Dependent Children to Age 26

By:  Tonya Williams, Employee Relations Specialist
School District of Janesville

Young adults age 19 through 29 are the largest age group in the United States at risk for being uninsured.  This age group accounts for about 13 million of the 47 million Americans living without health insurance.  Young adults often lose their health insurance if covered under their parent’s or guardian’s policy at age 19 or upon graduation from high school or college.  The ability for young adults to attain and secure health insurance coverage for themselves is often difficult.  Their ordinary transitions in and out of school and jobs during their early 20s typically affect their ability to remain on their parents’ or guardian’s policy or become eligible for employer-sponsored health insurance. 

The Dependent Insurance Coverage provision in the recently enacted Patient Protection and Affordable Care Act (PPACA) was designed to address the millions of young adults who are uninsured.  Specifically, the PPACA requires plans and issuers that offer dependent coverage for children to continue such coverage until they reach age 26. 

Effective September 1, 2012, the School District of Janesville will cover dependents to age 26 regardless if they are a full-time student or not.  If you are interested in enrolling your eligible dependent under the Dependent Insurance Coverage provision, please contact Tonya Williams at 743-5021.


  1. The district used to cover dependents until they were 27. Why was it changed to 26?

  2. Previously the District followed the guidelines of the Wisconsin Health Care Reform Mandate that allowed our employees to keep their dependents on the plan through age 27. However, employees would be taxed the value of the insurance the year the dependent turned 27.

    September 1, 2012 was the beginning of a new plan year for our health insurance plan. With the plan renewal, came the requirement to comply with PPACA standards, which are guidelines of The Affordable Care Act. PPACA standards are Federal, and the State followed suit. Therefore, dependents will be covered under their parent’s plan through age 26.

    Thank you for your question. I hope my response provided the clarification you are looking for.

    Tonya Williams, Employee Relations Specialist


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