How to Use the Dependent Eligibility Calculator
Enter the dependent's birth date to calculate when ACA-mandated dependent coverage ends (age 26) and how many days remain. The Special Enrollment Period (SEP) after loss of coverage lasts 60 days.
US Dependent Coverage Rules (ACA)
- Children: Covered until the end of the year they turn 26
- Disabled dependents: May continue past 26 β requires documentation
- Spouses: Covered as long as married and enrolled in the plan
- SEP window: 60 days from date of coverage loss to enroll elsewhere
Frequently Asked Questions
Does the dependent need to live with the insured parent?
No, under ACA rules children do not need to live with, be claimed as a tax dependent by, or even be in the same state as the parent to remain on the parent's health insurance until age 26.
Can I add a dependent outside open enrollment?
Yes. A birth, adoption, marriage, or loss of other coverage are qualifying life events that allow you to add a dependent during a Special Enrollment Period. You generally have 30 to 60 days from the event to enroll.