QUESTION

My child 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 | Navigating Health Insurance Marketplace Options
ANSWER

Yes. If your child is a member of your tax household, he or she can join your family plan on the health insurance marketplace, even if he or she 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 child is also likely eligible to buy coverage in the state where he or she attends school as long he or she can establish residency. If he or she 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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