Ohio Health Insurance Dependent Coverage To Age 26

Ohio health insurance Department of Insurance has evaluated Health and Human Services’ interim final rule relating to Dependent Coverage of Children to Age 26 under the Patient Protection and Affordable Care Act and issued guidance to industry and employers on how the federal law will dovetail with Ohio’s current state law. Ohio law allows an unmarried, dependent child or a full-time student to remain on a parent’s insurance up to age 28, or without regard to age if they are incapable of self-sustaining employment due to disability, effective on July 1, 2010. PPACA applies more broadly to dependents up to age 26. In addition, the department last week received notice from HHS that a waiver would not be granted from certain federal requirements for coverage of individuals with pre-existing conditions who have been uninsured for six months or federally qualified individuals. Specifically, the department had inquired to HHS regarding the potential use of its open enrollment program by allowing federally qualified individuals to receive a subsidy toward the cost of coverage.  The subsidy would have been used to pay for coverage at the rates currently being charged by carriers for open enrollment coverage.  Since the waiver was not granted, an RFP was released last week for a non-profit entity to operate the temporary high-risk pool for federally qualified individuals. Ohio will receive $152 million over a three-year period to operate its temporary high-risk pool.

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