Health insurance for your 22 year old “child”
When your child turns 22 or gets married before that age, they will be automatically dropped from the Federal Employees Health Benefits Plan (FEHB), even if they are in school. If they don’t have a job with health benefits, they will either have to obtain their own insurance or you can enroll them under Temporary Continuation of Coverage (TCC).
To use TCC, contact your benefits coordinator no later than 60 days after the child is dropped from FEHB. You (or your child) will have to pay the full price of an individual
policy — they can’t be covered under your family plan and the government won’t help with the costs. On top of this you’ll also have to pay a 2% administrative fee. This works out to over $200 biweekly for Blue Cross Blue Shield standard, so you might find yourself encouraging your child to get a job if they can! TCC lasts for up to 36 months. More information can be found here.
