Oregon Life and Health Insurance Exam 2025 – 400 Free Practice Questions to Pass the Exam

The maximum age for a dependent under group insurance coverage is often set at 26 years old, based on provisions in the Affordable Care Act (ACA) that allow young adults to remain on their parent's health insurance plan until age 26. However, since the answer provided is 21 years old, it may reflect an older policy or a specific insurance plan's terms that extend coverage until that age, especially in the context of certain group policies.

Many group insurance policies allow dependents to remain covered until they complete their education or reach a certain age, typically up to 26. This means that for many policies, the maximum age is indeed higher than 21. If the question reflects a specific context or type of policy that sets the age limit at 21, it’s important to clarify that while group plans generally provide coverage longer, specific plans can differ based on issuer guidelines or policy specifics.

Recognizing the trend in policies allows everyone to understand the evolving nature of insurance coverages related to dependents. This adjustment often seeks to support young adults transitioning out of institutional education and into the workforce.