State RegulationsOH specificDifficulty 1/5
Under ORC 3923.24, how long may an unmarried dependent child remain covered under a parent's accident and sickness policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3923.24 requires coverage of an unmarried child to age 26, but the statute attaches conditions: for a natural, step, or adopted child the child must be an Ohio resident or a full-time student at an accredited institution of higher education, must not be employed where eligible for employer coverage, and must not be eligible for Medicaid or Medicare. Age 26 is the outer limit, not the only test.
Why the other options are wrong
- A) Student status is one alternative route, but ORC 3923.24 fixes age 26 as the limiting age, so there is a maximum age.
- B) Age 26 alone is insufficient; the child must also satisfy the residency-or-student, employment, and Medicaid/Medicare conditions in ORC 3923.24.
- C) Employer-coverage eligibility is one of several conditions, but ORC 3923.24 also imposes the age 26 limiting age.
Memory hook
26 is the ceiling, not the whole deal — residency, job, and program checks still apply.