At the start of this year, some of President Barack Obama's health reform initiatives began to pass through Congress. The Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act began making sweeping changes to the failing health system in the US. One of those reforms involved changing the way that health insurance worked for adult children, those who are technically adults but who remain financially dependent on their parents. Now, health insurance quotes covering these previously overlooked dependents can be included on their parent's own health insurance policies.

In the past, adult children have been able to be included on their parent's health insurance policies, but only up until the age of 19. Some other policies would not even extend that far, removing their adult children from their parent's coverage from the instant that they left high school. As a result, the eighteen to twenty nine year old age group has the lowest health insurance coverage of any age demographic in the whole of the United States, just thirty percent of the generation having health insurance coverage. Now however, the Patient Protection and Affordable Care Act has changed all that, increasing the age in which adult children are able to be covered by their parent's health insurance policies by a further seven years. Parents can now look for health insurance quotes that cover their adult children up until the age of twenty six. This new policy will become mandatory law for health insurance companies from the twenty third of September this year, with the Departments of Health and Human Services, Labor and Treasury, having already implemented regulations to begin the implementation of the new framework. However, eager to be seen to be keen to implement the new system, many health insurance companies have begun to voluntarily offer the coverage with their health insurance quotes prior to the mandate officially becoming law.

The news just keeps getting better for the average American as well. Under the new laws set out by the Patient Protection and Affordable Care Act, health insurance companies will no longer have the right to deny adult children with pre-existing medical conditions from receiving health insurance. The Obama administration has indicated that there will be regulations put in place once this also becomes law (again on the twenty third of September this year), and again, many health insurance companies have already signaled their willingness to begin preemptively supporting and implementing the new rules.

Adult children who have previously been unable to afford their own coverage or be supported by their parent's policies now have a lot to thank the Obama administration for.