The Young Adult Option is available to young adults who meet ALL of the following
⇒A child, adopted child, or stepchild of a NYSHIP enrollee (including those enrolled
⇒Age 29 or younger
⇒Not insured by or eligible for coverage through the young adult's own employer-sponsored
health plan, whether insured or self-funded, provided that the health plan includes
both hospital and medical benefits.
⇒Live, work or reside in New York State or the plan's service area.
⇒Not be covered under Medicare.
When to Enroll
Either the young adult or their parent may enroll the young adult in the
Young Adult Option and either may pay the NYSHIP premium. A young adult or their parent has the following
opportunities to elect this option:
60 days of when the young adult would otherwise lose coverage due to age under the parent's
60 days of when the young adult becomes eligible due to:
Loss of their employer coverage
Relocation of residence
Employment into New York State or the Plan's service area (please note, The Empire
Plan provides coverage regardless of place of residence)
A change in circumstances (such as divorce).
During the annual 30-day open enrollment period
How to Enroll
To enroll in NYSHIP's Young Adult Option, the young adult child or their parent must
⇒Complete and sign the
Young Adult Option Form
and send it to the Employee Benefits Division (see form for details).
⇒Applicants should include the first month's premium with the form to ensure the earliest
possible effective date of coverage, as described above.
To allow the parent of the Young Adult to speak with the Employee Benefits Division,
the young adult must complete the
HIPAA disclosure form
Termination of Coverage
Eligibility for NYSHIP enrollment under the Young Adult Option ends when one of the
⇒The young adult voluntarily terminates coverage
⇒The young adult's parent is no longer enrolled in NYSHIP
⇒The young adult no longer meets all of the eligibility requirements
⇒The NYSHIP premium for the young adult's coverage is not paid in full within the
30-day grace period, following the premium payment due date.
Please note that termination of coverage under the Young Adult Option is NOT considered
a "qualifying event" for the purpose of qualifying for federal COBRA or State continuation
of coverage programs.
If you have questions, please see the HBA at the parent's employing agency or call
Employee Benefits Division at 1-518-457-5754 or 1-800-833-4344
between 9:00 am and 3:00 pm