What age may adult standard premiums start to be charged for dependent children?

Adult standard premiums for dependent children typically start to be charged when the child reaches 18 years of age. This aligns with many insurance policies, which recognize 18 as the age of majority in most states, including Washington. At this age, children are considered adults in the eyes of the law, and as such, they are evaluated for their own risk factors when determining insurance premiums.

This transition often means the dependent no longer qualifies for coverage under the parent's policy as a child, thus triggering the application of adult rates. It is essential for policyholders to be aware of this change to ensure appropriate coverage and financial planning for their children's health insurance needs as they reach adulthood.