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To qualify as a dependent, a child must also pass these tests: Relationship: Be your son, daughter, stepchild, eligible foster child, brother, sister, half-sister or -brother, stepbrother, stepsister, adopted child or the child of one of these.
The federal Patient Protection and Affordable Care Act (ACA) passed in 2010 includes a Dependent Coverage Expansion (DCE) provision that permits dependents to remain on their parents health insurance plans from age 19 to 25 years, the age group that has historically had the highest uninsured rate in the United States.
A dependent may be a spouse, domestic partner, or child (some plans refer to spouse and dependents meaning that they differentiate between the spouse and the children). You can cover your biological, adopted, and stepchildren.
The Affordable Care Act requires plans and issuers that offer dependent child coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage.
Married couples often have health insurance through one spouses employer. If you are the spouse who relies on the others coverage, youll need to take action. The ex-spouse and stepchildren are removed from an insurance policy immediately upon the divorce becoming final.
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Effective January 1, 2011, your child/children, whether previously enrolled on your plan or not, are eligible for health coverage up to the age of 26. They are eligible even if they are married, do not live with you, or are not students.
You can keep your biological, step, adopted, or foster children on your health insurance, even if they arent dependent on you, until they turn 26. You can include siblings on your plan if you can claim them as tax dependents with the IRS.

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