Can grandchildren being taken care of by grandparents be on our insurance until age 26 and what if we go on Medicare?



If you are the legal guardian or foster parent, your grandchildren can be added to a healthcare plan you purchase on your own through your employer until they reach the age of 26. If you are not the legal guardian, they will not be covered in your individual or employer plans and you will have to look at other options.

Medicare is and will remain as individual health insurance only for those 65 and over. If you are on Medicare only and your grandchild is between 18- 26 years of age, he/she can obtain health coverage through your state’s Marketplace/Health Exchange and may be eligible for low or no cost coverage.

If you are on Medicare and are caring for minor grandchildren under age 18, your state’s Children’s Health Insurance Program (CHIP) may provide an option.

See the FAQ “What health insurance plans can I enroll in” for more information and links to contacts.