Terry Said:

Is it true when my sisters boyfriend says he can't get health insurance for their child?

We Answered:

I think he's full of BS, all your insurance's have family plans, yes it cost more but your child is covered. She needs to find out what he has for medical insurance and call them and ask why?

Terri Said:

How long is a parent responsible to provide health insurance for a child?

We Answered:

OK... unless it's a court ordered child support issue, there is not 'LEGAL OBLIGATION' for a parent to provide health insurance. If a family chooses not to have ANY insurance, there is no law against it. There have been a couple of answers that state that insurance must be carried as long as the child is a full time student or reaches a certain age. Again, this is ONLY if there is a child support order from a divorce and these generally end at age 18 or as long as the child is a full time student attending HIGH SCHOOL.. .not college.

The actual fact is... once a child turns 18 and completes High School (or drops out) they are considered an adult and responsible for their own needs. Most employer provided health insurance does allow for parents to insure their children as long as they are in college... but it's not mandatory.

So... looking at the situation that you mention. Your friend must come to terms with the fact she is considered an adult and must now provide for herself. A parent's true obligation ends at 18/end of High School. If she is living with her mother, she should be thankful that her mom is providing her with a place to live and the basic necessaties of life.

Time for your friend to buckle down, get a job and purchase her own insurance.

Good luck and I hope this helps!