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Overage Dependent Rules

These rules are as of February 1, 2015.

Health

Up to age 26 under Health Care Reform

Up to age 30, Florida Statute

  • Unmarried without dependents of their own and
  • A Florida resident or a full-time student; and
  • Not covered under any other health plan or policy; and
  • Not entitled to coverage under Medicare

Dental

Coverage up to age 25, the dependent's coverage terminates at the end of the calendar year they turn 25.

Unmarried children can continue coverage from the beginning of the calendar year in which their 26th birthday occurs to the end of the calendar year in which their 30th birthday occurs if:

  1. The child does not have any dependents of their own; and
  2. The child is a Florida resident or full-time or part-time student; and
  3. The child is not provided coverage as a named subscriber, insured, enrollee, or covered person under any other group, blanket, or franchise health insurance policy or individual health benefits plan, or is not entitled to benefits under Title XVIII of the Social Security Act.

Vision

Coverage terminates at the end of the month the dependent turns 26.

Life

Coverage up to age 19, age 26 if they are full-time students.

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