What happens after my child turns 18 or 19, or stops going to college full-time?
When your child is no longer covered as a dependent on your employer-sponsored health policy, and your employer has more than 20 employees, generally he or she would have the right to continue that coverage for up to 36 months under COBRA. If your child has been covered as a dependent on a health policy sponsored by an employer with fewer than 20 employees, he or she has the right to continue that coverage for up to 6 months under the Vermont Continuation of Coverage Program. In both situations, the premiums will be the responsibility of the child. At the end of the continuation period, the insurer may offer a conversion plan, which may provide different coverage than the policy provided through the employer plan.
