<p>Hmm…my understanding was that if the employer offered a family plan…they could not charge a “different rate” if the family included those up to 26 year olds. In other words…if the kids were 18 or 25…the family plan cost would be the same. We have gotten our costs for next year and the family coverage including those dependents up to 26 is the SAME as for families with younger dependent kids. Our employer has elected to start this now…which shocked me. BUT I think there was more of a headache taking these kids off, having their families pay Cobra rates for a few months and putting them back on. In our case, we would have opted for a two person coverage until our DD had been able to be reinstated…so they would have also had to change our coverage costs. Easier to just charge me a family rate from the get go.</p>