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Michelle’s Law was enacted in 2008 to ensure that dependent students who take a medically necessary leave of absence do not lose health insurance coverage. Michelle’s Law allows seriously ill or injured college students, who are covered dependents under group health plans, to continue coverage for up to one year while on medically necessary leaves of absence.
When Michelle’s Law was enacted, many health insurance plans required adult children to have full-time student status to be eligible for dependent coverage. However, due to the Affordable Care Act’s (ACA) reforms, most group health plans no longer impose a full-time student status requirement for dependent eligibility.
Under the ACA, group health plans or insurers that provide coverage for dependent children must continue to make coverage available until a child attains age 26, regardless of student status. Thus, Michelle’s Law will generally apply only to health plans that provide coverage to dependent full-time students who are age 26 or older.
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