Many insurers provide coverage under a parent's policy while a child is a full-time student. This can extend the child's coverage, depending on the policy, until up to age 26. Additionally, many colleges and universities provide policies of insurance for their students while they are full-time students.
Consider becoming self-employed
HIPAA, a federal health-care law, dictates that a business that employs two or more employees must be allowed to purchase a group health policy by any insurer that offers group policies. The business must be legitimate and operating, and at least two people must be paid for their work in the business.
Consider Extending Parental Coverage through COBRA or your states' Insurance Code
Some states have insurance code provisions that allow an extension of coverage for children who reach the maximum age on their policy, but cannot support themselves because of a physical or mental disability.
The federal law, COBRA, may also provide an extension of parents' benefits to a young adult for up to 36 months. This can create a cushion of insurance while the family seeks additional insurance from other sources.
Consider Social Security and Medicaid coverage
Children who cannot work because of their medical condition may qualify for social security benefits. Once a child reaches 18, it is that child's, not the parents', income that determines eligibility.
Children seeking this option should have a written agreement with their parents (or other guardian) that requires them to contribute to household expenses once benefits begin, and a separate written agreement to reimburse their parents for support while the application is pending. This should allow the child's income, and not the parents', to be considered for the purposes of the income guidelines.
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