Haley Dunphy from ‘Modern Family’
The bad news is that Haley Dunphy had to drop out of a college away from home and is now back in her old bedroom, attending community college. The good news is that Haley—Phil and Claire Dunphy’s older daughter on ABC’s Emmy Award-winning “Modern Family”—will have a few more years on her parents’ health insurance thanks to Obamacare.
Since 2010, the Affordable Care Act has allowed adult children to stay covered through Mom or Dad until age 26.
“Children can join or remain on their parent’s plan even if they are married, not living at home, attending school, not financial dependents or eligible for an employer’s plan,” says Lisa Zamosky, health reform expert with the medical information website WebMD.
She says the exchanges will make it possible for even more families to take advantage of the provision, as uninsured parents buy policies that will include their older children.
“Rates for family plans may increase because of the expanded coverage to 26-year-olds,” notes Baldwin, “but not by much because this is a fairly healthy demographic group with low health care costs on average.”