Am I obligated to carry health insurance for my 22 year old stepson?

  • by Jennifer
  • Nov 08,2018
  • 15 answers

My stepson has made it clear that he does not need or want his father, myself or his two brothers in his life. He has stated that as far as he's concerned they are not his family. If he doesn't need any of us, then he shouldn't need my health insurance and I would like to remove him from my plan at open enrollment next week. Am I obligated to carry health insurance for him or is it ok for me to remove his coverage?


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Insurance Answers (15)

car253 last month

Obligatged or not doesn't matter. The point is if something happens he will need health insurance. And, if he doesn't have it you may end up paying all the bills because someone loves him and will want to step in to help him. And, when he really needs help, he will probly reach out for it. He may not see the need for anyone right now in his life but when there is a medical emergency that can change in an instant. Even if your son ( yes, steps are still your sons ) does not see it right now or feel the need for it, you should still cover him.

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vic 2 months ago

No only if he was under 18

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Coleen 2 months ago

If he is your legal ward for unusual reasons like he is disabled or you agreed to it as a condition of him being paroled, which, even then is usually under 21. If he is just a normal 22 year old, of course not. He is responsible for himself.

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Linda 2 months ago

Since he wants NOTHING to do with the family - REMOVE him from your Health Insurance.

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Sally 2 months ago

It is okay with me if you remove his coverage

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Frank 2 months ago

No, you're not legally obligated. Even if you claim him as a dependent, you're still not obligated. He's an adult, he's the one with the obligations.

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Flower 2 months ago

No, your obligation ended when he turned 18.

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Qrp 2 months ago

I believe they have to carry their own health insurance because you can only stay on parental health insurance until 17.

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lucy 2 months ago

In 2019, the tax penalty will be gone.
I am "guessing" not claiming step son as a dependent, thus not obligated. The (prior) law (allowed) you to cover your children, step children till age 26.
But, one thing you should consider (before) you drop him, will your insurance premium change? I "think" with employer insurance, the cost is the same for 1 child or 10 children. So, if no drop in costs keep him on the policy "just in case".
And lastly, what if something in fact happens, will your husband, his father help him out or not?

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Insurance Pickle.com 2 months ago

Taxes and obligations are different. You do not have to carry health insurance on another adult.

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David 14 2 months ago

Lol, no.

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A Hunch 2 months ago

No.
The law allows you to carry him on your health insurance. There is no requirement that you provide this coverage.
But think of the flip side:
- if he has a major medical problem is Dad going to want to help him out
- is it going to be "less expensive" for you to cover him, than not cover him (with the premise being we hope he doesn't need health insurance but if he does at least we are protecting ourselves).

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Judy 2 months ago

if you claim him as a dependent

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NA 2 months ago

See IRS publication 501 and determine if he is your dependent or not (even if you don't claim him). If he is, you are expected to provide insurance--there is still a penalty in 2018 if one doesn't.

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Casey Y 2 months ago

Only if he is claimed as a dependent...which probably isn t the case here.

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