Hi Everyone,
I feel like I've got a somewhat interesting and unique situation. Right now my wife and I are both under 26 years old so we are both still covered under our individual parent's family health insurance plans. All of our parents have maintained family coverage because we have younger, dependent siblings. This is certainly a nice blessing but also raises plenty of questions.
My main concern right now is that my wife is currently just over 3 months pregnant, she is due in February 2014. Right now she is 22 and I am 24, our birthdays are both in October (so we are soon to be 23 and 25). This has me wondering a couple of things:
1) Is a baby of an under 26 year old still covered under the family insurance? (I.E. will our baby be covered under one of our parents' insurance plans)
2) What happens when I turn 26 in October 2014? Will the baby be covered under my in-laws health insurance, or will I need to pick up individual+child coverage through work/exchange?
I'm sure we are not the only ones to be experiencing this situation with the upcoming implementation of Obamacare, but it is a bit of a niche question that I can't find good answered online when I search for it.
Thanks for any help!