Coverage for 23-year-old son


Q: My son is 23 and is currently on Temporary Continuation of Coverage. Last open season we changed our insurance plan but our son continued with the old plan. It’s my understanding he is eligible to come back onto our plan January 1st. Does he need to change to our new insurance company/plan? Or can he stay where he is?

A: He would have to be covered by your plan.

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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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