State RegulationsPA specificDifficulty 1/5
Under 31 Pa. Code 88.32, what ceiling does Pennsylvania place on the specified age of a dependent child covered under a health policy, unless the policy specifies a dependency test instead?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
31 Pa. Code 88.32 caps a covered dependent child's specified age at not to exceed 19 years of age unless the policy instead specifies a dependency test. The age 26 belongs to the federal Affordable Care Act's dependent coverage framework, not to this Pennsylvania regulation, and conflating the two is the classic trap. For the Pennsylvania limited-policy family the ceiling is 19, a figure the Pennsylvania Insurance Department's official text supports.
Why the other options are wrong
- A) 26 is the federal ACA dependent coverage age, not the ceiling Pennsylvania's own regulation sets.
- C) Pennsylvania regulates the ceiling; the insurer cannot simply pick any age it prefers.
- D) Age matters under the regulation; coverage does not run for the child's lifetime by default.
Memory hook
Pennsylvania's own line stops at 19 — leave 26 at the federal door.