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These days, it seems like everyone is confused by the recent changes to Colorado’s Health Insurance laws. Early last year a law was made that stated that children could not get denied health insurance because of a pre-existing condition. This was a great change, and I know a lot of families that were thankful for this new law.  Recently, another change has been made to Colorado children’s health insurance, and that is that adult children can now be covered on their parents plan up to the age of 26. This law brought about many, many questions by parents in Colorado. The most popular questions were, “If I add my kids back on my plan, will my premiums go up?”, or, “What if one of my teenagers was already insured with CHP+?”

If you are a parent considering adding your adult child to your health plan, it could go one of two ways.  If you have an individual health plan and your adult child has a pre-existing condition, they have the possibility of being denied health insurance. The law that children cannot be denied health insurance because of a pre-existing condition expires when the child turns 19. If they have a pre-existing condition on an individual plan, you’re adult child dependent will be treated just as any other adult with the same condition and could potentially be denied. If you are on an employer’s group plan and your adult child has a pre-existing condition, your dependent won’t be treated any different from any other dependent.

If your teenager was already covered by any publicly funded children’s health insurance in Colorado, it may not be easy for the parent to decide how to handle the health insurance policy. The cost will probably be very high in order to find a policy that has similar benefits to CHP+. Finding an affordable health insurance plan will be even harder for them if they have a pre-existing condition or if their parents are uninsured. According to the article, “How Can Adult Children Get Covered Under Colorado Children’s Health Insurance Laws?” the best option for high school graduates in this scenario would be to find a group health plan for college students that will cover them, or to find a job that offers good benefits. 

If you are still feeling confused by all of these new Colorado children’s health insurance laws, then you may want to contact a health insurance broker from HealthQuotes.com, such as Michael Horvat.  He can help you to fully understand what your options are for you Colorado health insurance. Pay Michael a call at 800-345-0788.