Rosie Kayfetz

Question: Do you need to be enrolled in school to stay covered under your parents health insurance? Affordable Care Act?

So here's the question in case you don't want to read my wall of text below (but it would be appreciated if you did to further understand my question). I was covered under my moms health insurance while in college and I was told I needed to be enrolled in school to stay covered, I dropped out a while ago and was wondering if I am still covered by law under the Affordable Care Act since I am only 19. I was covered under my mothers health insurance, she works for a private company and she said that I needed to be enrolled in school in order to stay covered by the insurance. But this was close to a year ago if I'm remembering correctly. The reason I'm worried is because I'm taking a break from college, and have had multiple doctor appointments/tests done after I left, but I never had a problem with the insurance going through. I've made myself paranoid into thinking that the company may just not know, and is assuming I'm still in school and will randomly hit me with the costs of the testings and doctor visits if they saw I was not in school, or god forbid somewhere down the road my mother or I are in a serious accident and are dropped because of this. I know this happens all the time, the insurance agencies have people hired to find abnormalities in your history in an attempt to drop you and not have to pay the bills. So would I still be covered under my mothers health insurance even though I'm not currently enrolled in school under the Affordable Care Act? Once again I am 19 also. Thank you

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