Oct. 2022 – 15 min read
- What is a dependent for health insurance?
- Who can you add as a dependent to your health insurance plan?
- Can you add your new partner as a dependent?
- Do your parents or siblings qualify as dependents?
- How long can your child be on your health insurance plan?
- How do you add a dependent to your health insurance plan?
- Can I remove someone from my health insurance plan?
- What’s next?
When it comes to health insurance, your dependent can be your spouse or partner, and any children you have.
Your dependents are covered under your plan which means they could be entitled to benefits you might have through your workplace or a personal plan you hold.
FYI: This doesn’t happen automatically, so make sure you add any dependents at the same time you apply for coverage for yourself, or as they enter your life, such as when a child is born.
This may vary from plan to plan, but in general:
Yes, but it must be your legal partner, whether that’s a spouse or common-law partner.
In most cases, no.
It can vary, but most plans allow you to keep your children on your plan until they turn 18 or 21, or up to 25 if they’re studying full-time at a recognized educational institution.
If they get married before this age, they’re generally no longer eligible for coverage under your plan.
Once you’ve taken out the initial policy, you’re usually only able to add more dependents if:
You get married or enter into a common-law relationship and now have a spouse to add
Yes. This cost will vary depending on factors, including the age of your dependents. As you add or remove dependents over time, your premiums will reflect that change as well
This depends on whether you’re with a workplace plan or a personal insurance plan.
With a personal insurance plan, you can usually remove a dependent at any time.
If you’re with a workplace plan, you can usually only remove them because of a major life event, like:
- A child ages out of eligibility, like turning 26
- You get divorced or separated
- A dependent passes away
If you’re looking for personal health insurance, don’t forget to add your dependents when you take out your policy