Under PPACA's dependent coverage rule, a child who is disabled before age 26 and incapable of self-support may:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The PPACA rule allowing children to remain on a parent's plan until age 26 contains an exception for certain disabled dependents who are incapable of self-support: they may remain covered beyond the 26th birthday. This mirrors the longer-standing dependent-coverage concept that a child who becomes disabled and remains dependent on the insured may be covered as long as the disability continues, regardless of age. The exception matters because a disabled dependent typically cannot obtain replacement coverage on their own, so terminating coverage at 26 would strand a particularly vulnerable person.
Why the other options are wrong
- B) There is an express statutory exception: disabled dependents incapable of self-support are not cut off at age 26, so the no-exception version is contrary to the rule itself.
- C) Age 30 is not a statutory benchmark for dependent coverage; the disabled-dependent exception is open-ended rather than tied to 30, so this answer invents a number the law never uses.
- D) Disabled dependents retain coverage under the parent's plan; they are not shunted into a state high-risk pool, which this answer wrongly substitutes for the statutory exception.
Memory hook
Age 26 has a disability exemption: dependents who cannot support themselves stay on the plan past the birthday.