Question

Which of the following statements do apply to child coverage in a family policy?

- A) Children are covered until age 18
- B) Coverage ends when children turn 21
- C) Coverage may extend beyond age 26 under certain circumstances
- D) Child coverage is always separate and requires an additional premium

Answer 1

Children in a family policy are generally covered until they turn 26, with the possibility of extended coverage under certain conditions, as per the Affordable Care Act.

Step-by-step explanation:

The coverage of children in a family policy can be complex and varies by the policy and jurisdiction. Generally, children are covered by their parents' health insurance policy until they turn 26. This complies with the provisions of the Affordable Care Act (ACA), enacted to provide health insurance to uninsured Americans, including extending the age of child coverage on family health insurance plans. Specific circumstances may even allow coverage to extend beyond the age of 26.

The correct answer to the question is: C) Coverage may extend beyond age 26 under certain circumstances. This statement recognizes that while typically coverage ends at age 26, there are exceptions allowed under the law. The other options provided, such as children always being covered separately or requiring an additional premium, and coverage ending at ages 18 or 21, are not universally accurate.