Every medical insurance plan will have stipulations on the eligible age of applicants or the maimum age that a person may remain on the policy. The age limit will also apply to the age that a dependent child may remain on the parent's health insurance policy. Most health plans will terminate a member's coverage when they reach the age of 65 because this is the age that they become eligible for Medicare and are no longer in need of individual or private coverage. Even if an insured member is not eligible for Medicare, they will still lose their coverage when they turn age 65 and are insured under an personal health plan. Most group plans will allow an employee beyond the age of 65 to remain on the employer sponsored plan, as long as they remain an active employee with that company. Minimum age requirements are usually left to the discretion of the insurance company, but some states have laws that prohibit minimum age restrictions. The minimum age may also depend on if that primary applicant is a child only plan, or if that child is to be included as a dependent on a parent's plan. Some insurance companies will not insure a child only under the age of 1 because they consider them a high-risk until they have an established medical history. Minimum age limits are not permitted by an insurance company if the child is a new dependent on an eisting health plan. If an adult has an eisting policy and they give birth to a newborn child, or adopt a child, the insurance company may not refuse to add that child to the parent's policy, regardless of the age of that child. Newborns must be added to the parent's policy within 31 days of birth or the insurance company may be able to deny covering the newborn child based on health status. For dependent children covered under a parent's policy, they may be loose dependent status and can be removed from the plan once they reach a certain age. This is usually age 19, unless they are a full-time college student, in which case they may remain on the parent's policy through the age of 22. The dependent child age maimum can vary by insurance carrier and some states have regulations that require the insurer to increase this maimum age limit.