Arizona Health Insurance Practice Exam

What is the maximum allowable age for dependent children on health insurance plans?

1. 18 years

2. 24 years

3. 26 years

4. 30 years

The correct answer is: 26 years

Dependent coverage allows young adults to stay on their parent's health insurance plan until a certain age, which is established by the Affordable Care Act (ACA). The ACA mandates that children can remain on their parent's policy until they reach the age of 26. This provision ensures that young adults have access to health insurance during a critical transitional period when they may be finishing their education, starting their careers, or facing challenges finding independent coverage. The age limit of 26 provides a balance of support for young adults while also helping families manage health care costs as children move into adulthood. Notably, this coverage extends to children who may be married or not living with their parents, providing a broad definition of "dependents." Some states may have additional rules or extend coverage beyond this age limit, but in the context of the ACA and standard health plans, 26 is the maximum age for dependent coverage as defined by federal law.