can i put a son or daughter over 27 yrs. of age on my health insurance?

With implementation of the Affordable Care Act, state laws and federal laws regarding insurance coverage can be different, and indeed do vary from state to state.

In Colorado, the specific law for the state says that children up to age 25 can be considered a dependent on their parents' insurance as long as they are not married and dependent financially or share a permanent address with the parent, who would be considered the insurance provider. This state-specific law is a little different than the requirements set by the Affordable Care Act, which states parents can carry their children on their insurance policy up to the age of 26.

With these guidelines in place, it is not possible to add a son or daughter over 27 years of age in the state of Colorado, regardless of financial status, school enrollment or residence. The son or daughter will be held responsible to get his or her own insurance coverage, which will need to meet guidelines set in place by the Affordable Care Act, and maintain that policy. If they do not do so, they will be penalized on their income taxes.