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OPM.gov / Frequently Asked Questions / Insure FAQ / Health
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Health

Questions and answers

For an adopted child, FEHB coverage ends when the child reaches age 26.  Health benefits can continue after age 26 if the child is incapable of self-support because of a mental or physical disability that existed before age 26. Contact your employing office for information on how to continue coverage in such cases.

For a foster child, health benefits stop when any one of the following requirements is no longer met:

  • the child must be under age 26 (if the child is over age 26, he/she must be incapable of self support due to a disability that existed before age 26);
  • the child must currently live with you;
  • the parent-child relationship must be with you, not the child's biological parent;
  • you must currently be the primary source of financial support for the child; and
  • you must expect to raise the child to adulthood.
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