In Indiana, what happens when a dependent child reaches the limiting age?

In Indiana, when a dependent child reaches the limiting age specified in their parent’s health insurance policy, the appropriate outcome is that the child loses coverage under the parent’s policy. This limiting age is typically defined in the insurance contract and determines until what age dependents may be covered under the parent’s health insurance plan, often set at 26 years old but can vary based on specific policies.

Once the dependent child surpasses this age, they are no longer eligible for coverage under the parent's plan, as insurance companies are not obligated to extend dependent benefits beyond this specified age. This change can prompt the child to seek their own insurance coverage, either through employment, individual plans, or state and federal options, but they will lose the benefits associated with their parent’s health insurance policy.

This ensures that younger adults either transition to alternative coverage options or find ways to secure their own insurance as they move toward independence.