State RegulationsVA specificDifficulty 1/5
Under Virginia's health coverage mandate codified in Title 38.2, what dependent coverage must an insurer provide for an employee's child?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Va. Code § 38.2-3439 requires plans to make dependent child coverage available until the child reaches age 26, and it expressly forbids conditioning that coverage on dependency, marital status, student status, or employment status. Virginia codified the Affordable Care Act's dependent-coverage rule in Title 38.2, and the Virginia Bureau of Insurance enforces it against insurers. Adding conditions such as student status defeats the mandate.
Why the other options are wrong
- A) The mandate runs through age 26 and forbids student-status conditions; a 24-year student limit contradicts Va. Code § 38.2-3439.
- C) Dependency and marital conditions may not be imposed on dependent coverage through age 26 under Va. Code § 38.2-3439.
- D) An age-18 cutoff with a disability exception understates the mandate; coverage must run to age 26 regardless of dependency conditions.
Memory hook
Twenty-six with no strings attached.