What is the age limit for children to be covered by parents' insurance as stated in the Affordable Care Act?

The Affordable Care Act (ACA) includes a provision that allows young adults to remain on their parents' health insurance plans until they reach the age of 26. This provision was implemented to help increase access to health coverage for young adults, who might otherwise struggle to obtain insurance due to factors such as a lack of stable employment or financial constraints.

Allowing coverage until the age of 26 helps address a significant gap in health insurance for this age group, which is particularly vulnerable as they transition from adolescence to adulthood. Under this law, young adults can remain on their parents' policy even if they are financially independent, living away from home, or are not enrolled in school.

The focus of this policy is to ensure that young adults have the necessary health coverage during a critical time in their lives, promoting better health outcomes and reducing the likelihood of medical bankruptcy due to unexpected health issues.