Under Michigan's accident and health coverage requirements, until what age must a dependent child be eligible for coverage under a parent's group health plan, with the same benefits and the same rate as any other dependent?

Why B is correct

Michigan law requires health carriers to cover dependent children through age 26 with the same benefits and the same rate as any other dependent. M.C.L. 500.3403(1)(a) to (c) of the Michigan Insurance Code makes age a prohibited basis for cutting off or re-rating a dependent child's coverage, so a plan that terminates a child's coverage earlier or charges young adults a higher dependent rate violates the statute.

Why the other options are wrong

• A) Age 18 has no basis in the Michigan Insurance Code as the dependent cutoff; coverage extends well past that age under M.C.L. 500.3403.
• C) Age 65 relates to Medicare eligibility, not the dependent child limit; nothing in M.C.L. 500.3403 ties a child's coverage to Medicare availability.
• D) Tax-dependent status is expressly irrelevant; M.C.L. 500.3403(2) forbids denying enrollment because a child is not claimed as a tax dependent.

Memory hook

Stay on a parent's plan to 26 — Michigan's dependent-age sweet spot.