Family health insurance provides medical coverage for a spouse, children, or other dependents. These plans come in the form of group health insurance through an employer, or private health insurance paid individually.
Certain states dictate an age limit for dependents under family coverage. For example, in Delaware, only dependents under 24 can receive eligible coverage for group and private health insurance, according to StateHealthFacts.Org.
Some family plans incorporate a family deductible. If anyone in the family covered under the plan, or if a combination of people meet that family deductible, it is met for everyone.
Adult dependent requirements
Many states allow adult dependents on family plans if they meet several criteria. Sometimes they must go to school full time and have no spouse.
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Employers offering employer-based health insurance typically pay around 65% to 75% of family insurance premiums. The enrolled employee pays the rest, according to StatehealthFacts.Org.
Generally, family health insurance costs more than individual health insurance for the employee, although this is not always the case.