In the majority of states, you may be eligible to purchase small employer group coverage as long as your adult child is a full-time employee. You can purchase small group coverage with the help of an agent, broker, or directly with a health insurer who provides small group coverage. Check with your state department of insurance to see if this applies to you. (45 C.F.R. § 144.103; 78 Fed. Reg. 65046, Oct. 30, 2013).