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when is it time to kick the kids off your plan?

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So I have a question regarding healthcare. My boyfriend has 4 adult children. 2 of which have aged off of his healthcare plan. The other two (age 24 and almost 21) could still be covered. The question I have is: when should he go to an individual plan rather than himself plus kids? His son has a child with his girlfriend and his daughter is currently pregnant (which was planned) with her boyfriends baby. Neither are in school. If he were to switch to cover just himself he would be saving over $200 per month, which would greatly help out is own financial situation.
I am of the opinion that they should be paying for their own insurance since they are not in school, they have jobs and have families of their own.

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asked Jul 30, 2017 in Business and Finance by StephenWeinstein

2 Answers

0 votes
Why not meet him halfway. There is no way his kids get covered for #200 a month. So, why not suggest that since he would save $200 a month without the kids on the plan, and further that neither of them will find a plan for $100 a month, if they both kick in $100 a month, your boyfriend breaks even and the kids can continue with affordable insurance
answered Jul 30, 2017 by Steve D
0 votes
"when should he go to an individual plan rather than himself plus kids?" This is not either/or. He can have himself and his kids on an employer sponsored plan OR an individual plan. "Individual plan" does not mean "me only". It means purchased by an individual to cover themselves and their dependents.

"I am of the opinion that they should be paying for their own insurance since they are not in school" So what? Your opinion is irrelevant. It's HIS money and HIS children/grandchildren. You don't get a vote.

You can spend your money any way you choose. He can spend his any way he chooses. If the two of you do not share core values or financial goals, then you're not compatible and shouldn't be dating.

This is not a "healthcare related" question.
answered Jul 30, 2017 by The First Dragon
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