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Health coverage for children under 26. If a plan covers children, they generally can be added to or kept on a parent's health insurance policy until they turn 26 years old. Children can join or remain on a parent's plan even if they are:
1 While most plans include dependent coverage, it is not required. 2  Any eligible child can remain covered until age 26, even if the child is living away from home, is not a student or is working. 3  As long as the adult child is under age 26 and a child of the participant, the health plan must offer coverage. The only limited exception is that grandfathered plans can exclude coverage for adult children until 2014 if the adult children are eligible to enroll in an employer-sponsored plan other than the plan of either parent. 2  The law does not require plans to cover adult childrenâs spouses or children in a COBRA status.