Your kids are full time students with no income through age 26? They can’t work to get enough income to support themselves 8 years into adulthood? I was on my parents plan though existing rules until I was out of undergrad and then I was on my own. At 24, any adult should be able to fend for themselves. With few health issues at that age an annual checkup and a cheap catastrophic policy is sufficient.
Both are full time students pursuing degrees in law and medicine. Both have very limited time to spare for part
time jobs. Yet they manage to work a few hours every week
to earn pocket money, no where enough to buy a full fledged
health insurance.
After they start earning in full time careers, obviously I
will not need to buy their insurance.