QUESTION

My son goes to college in another state but we want him on our family plan in the health insurance marketplace. Can we do that?

Individuals with no coverage | Health Insurance Marketplace: Navigating New Coverage Options
ANSWER

Yes. If your son is a member of your tax household, he can join your family plan on the health insurance marketplace, even if he lives out of state. However, your child may need to return home in order to access care within your plan’s network. If he or she gets health care services in another state, the providers may be outside your plan’s network and you may have to pay high co-payments or coinsurance. Your son is also likely eligible to buy coverage in the state where he attends school as long he can establish residency. If he does establish residency in the college state, he would have a greater choice of local in-network providers. (45 C.F.R. § 155.305 (a)(3); CMS, FAQs on the Marketplace Residency Requirement and the Special Enrollment Period due to a Permanent Move, Jan. 19, 2016).

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