The Federal Government’s Human Resources Agency
Benefits Administration Letter
Number: 10- 201 Date: September 10, 2010
Changes for Federal Benefits Programs under the Affordable Care Act
On March 23, 2010, President Obama signed the Affordable Care Act, (ACA), Public Law 111-
148. Several provisions of the ACA will affect eligibility and benefits under the Federal
Employees Health Benefits (FEHB) Program and Federal Flexible Spending Account Program
(FSAFEDS) beginning January 1, 2011. The purpose of this letter is to provide information that
will assist you in implementing these changes and counseling employees. Please distribute
Attachment I to all employees immediately to notify them of these changes.
Federal Employees Health Benefits (FEHB) Program
Changes in Dependent Eligibility Rules
What are the changes to FEHB Program dependent eligibility rules under the ACA?
As a result of the ACA, children are covered under their parent’s FEHB health plan’s Self and
Family enrollment until age 26.
• Allows married children to be covered;
• Removes residency requirements;
• Removes dependency requirements; and
• Does not require children to be students or have prior or current insurance coverage to be
placed on their parent’s Self and Family enrollment.
This provision is effective on January 1, 2011. Below is a summary of the changes to FEHB
Effect of ACA
Between ages 22 and
Children between the ages of 22 and 26 are covered under their
parent’s Self and Family enrollment up to age 26.
Effect of ACA (Cont.)
Married children (but NOT their spouses or their own children) are
covered up to age 26. This is true even if the child is currently
under age 22.
Children with or
eligible for employer-