New York State law allows a young adult child up to age 30 to purchase coverage through their parent's group health insurance policy. This notice provides information about NYSHIP's Young Adult Option and compliance with the law.
The Young Adult Option is for medical coverage only; dental and vision coverage is not included. Under the law, the young adult's coverage is subject to all terms of the group policy; however, premiums are to be paid by the young adult or their parent, not the employer. The premium is the full cost of individual coverage for the NYSHIP option selected.
The Young Adult Option is available to young adults who meet all of the following eligibility requirements:
In addition, the young adult does not need to live with the parent, be financially dependent upon the parent, or be a student. A young adult's eligibility for health insurance coverage through a former employer under federal COBRA or State continuation coverage does not disqualify the young adult from electing this option under NYSHIP. Children of the young adult are not eligible for coverage under this option, but may be eligible for health insurance coverage under other programs, such as the Child Health Plus Program. The young adult's parent does not need to have family coverage, nor is the young adult required to have been previously covered as a dependent under NYSHIP, to be eligible to enroll in this option.
When Young Adult Children Can Enroll
Either the young adult or their parent may enroll the young adult in the Young Adult Option and either may pay the NYSHIP premium. A young adult or their parent has the following opportunities to elect this option:
How to Enroll
To enroll in NYSHIP's Young Adult Option, the young adult child or their parent must complete and sign the Young Adult Option form and send it to the Employee Benefits Division (see form for details). Applicants should include the first month's premium with the form to ensure the earliest possible effective date of coverage, as described above. To allow the parent of the Young Adult to speak with the Employee Benefits Division, the young adult must complete the HIPAA disclosure form.
Termination of Coverage
Eligibility for NYSHIP enrollment under the Young Adult Option ends when one of the following occurs:
Please note that termination of coverage under the Young Adult Option is NOT considered a "qualifying event" for the purpose of qualifying for federal COBRA or State continuation of coverage programs.
If you have questions, please see the HBA at the parent's employing agency or call the Employee Benefits Division at 518-457-5754 or 1-800-833-4344 between 9:00 am and 3:00 pm.