Covered California Certified Enroller Practice Exam

Which of the following conditions allows individuals under 26 to enroll as dependents in their parent's plan?

1. Must live at home

2. Can be married or have children

3. Must be claimed as a tax dependent

4. Must have employer's job-based coverage

The correct answer is: Can be married or have children

Individuals under the age of 26 can enroll as dependents in their parent’s health insurance plan without the restrictions of their marital status or whether they have children. This policy is designed to provide young adults with the opportunity to remain covered under their parents' plan as they transition into adulthood, regardless of their living situation, relationship status, or employment status. Therefore, the allowance for them to be married or to have children is an important aspect of this provision, ensuring that young adults have access to health insurance during a critical time in their lives. The other options suggest limitations that are not applicable to the law governing dependent coverage. For example, there is no requirement to live at home, nor is it necessary for them to be claimed as a tax dependent or to have employer-sponsored job-based coverage in order to qualify for their parent's health plan. This flexibility is a key feature of the Affordable Care Act, which aims to reduce the number of uninsured young adults.