Health Reform Changes for Federal Benefits Programs
Effective January 1, 2011
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 the Federal Flexible Spending Account Program (FSAFEDS) beginning
January 1, 2011. Please read the information below carefully.
Federal Employees Health Benefits (FEHB) Program
Please read the following section carefully as the actions you take will impact when your child’s
FEHB coverage begins under this new law.
What Are the Changes to FEHB Program Dependent Eligibility Rules Under the ACA?
All changes are effective on January 1, 2011.
Effect of ACA
Between ages 22 and 26
Children between the ages of 22 and 26 are covered under their parent’s
Self and Family enrollment up to age 26.
Married children (but NOT their spouse 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
Children who are eligible for or have their own employer-provided health
insurance are eligible for coverage up to age 26.
Stepchildren do not need to live with the enrollee in a parent–child
relationship to be eligible for coverage up to age 26.
Children Incapable of Self-
Children who are incapable of self-support because of a mental or physical
disability that began before age 26 are eligible to continue coverage.
Contact your human resources office or retirement system for additional
Foster children are eligible for coverage up to age 26.
Children do not have to live with their parent, be financially dependent upon their parent or be students to
be covered up to age 26. There is also no requirement that the child have prior or current insurance
coverage. FEHB Program pla