Hi, Does anyone know if a parent is obliagted to provided insurance to a child who is 18 and is attending college as a full time student? PS Please don't attack me personally, I'm asking for a the 18 year old who is a neighbor. She's in a bad situation with her mother Hi, if it helps we live in NY
Other - Family & Relationships - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, a parent isn't ever legally obligated to provide health insurance for their children or themselves.
2 :
as long as the child is a full time student or 23..in Texas..may be different in other states...and this goes for child support...any other i dont know.
3 :
Well most health coverage will carry a child until they are 21 if they are on college, but i don't know if the mother is actually obligated to keep them on their policy after 18.
4 :
yes i think that you have to provide health insurance if the child is not working and if he reside at the parent house and can't takes care of his or herself.
5 :
i have been told by an attorney, that when the child gets 18, the insurance company drops them. they can get their own. this was asked in a custody situation.
6 :
It is my understanding that the parent is not obligated to provide insurance unless she is claiming child as a dependent on her taxes, and even then, she might not be required to. This is just my personal understanding. Someone w/ a law degree could provide more info. Maybe repost question in the law section.
7 :
In Texas,A parent is obligated to pay health insurance and child support until the child is 18 but If that child lives with the custodial parent while attending college the parent has to pay until 21.That's the way my lawyer put it to me. D
8 :
Legal obligation ends at adulthood (18). In some states, a full time student can be carried on a parents policy until 23 years old however in most coverage lapses at 21.
9 :
OK... unless it's a court ordered child support issue, there is not 'LEGAL OBLIGATION' for a parent to provide health insurance. If a family chooses not to have ANY insurance, there is no law against it. There have been a couple of answers that state that insurance must be carried as long as the child is a full time student or reaches a certain age. Again, this is ONLY if there is a child support order from a divorce and these generally end at age 18 or as long as the child is a full time student attending HIGH SCHOOL.. .not college. The actual fact is... once a child turns 18 and completes High School (or drops out) they are considered an adult and responsible for their own needs. Most employer provided health insurance does allow for parents to insure their children as long as they are in college... but it's not mandatory. So... looking at the situation that you mention. Your friend must come to terms with the fact she is considered an adult and must now provide for herself. A parent's true obligation ends at 18/end of High School. If she is living with her mother, she should be thankful that her mom is providing her with a place to live and the basic necessaties of life. Time for your friend to buckle down, get a job and purchase her own insurance. Good luck and I hope this helps!
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