Answer: Under the health insurance overhaul law passed by congress last month, starting September 23, 2010 young adults will be able to stay on or return to a parent's insurance plan until age 26. There is no requirement for your son or daughter to be dependent or a student. Their residency, marital status, or employment is also immaterial. So your daughter turning 19 can continue on your family plan with no interruption.

Your son who will be 23 in July appears to be caught in the gap between July 4th and September 23rd. But he should be able to stay on your plan as well because most health insurers are stepping up to cover people like your son even earlier than the law requires. United Healthcare, which includes individual plans offered by Golden Rule and PacifiCare, has announced that it will make the extension of coverage immediate. Wellpoint, which includes Anthem Blue Cross in California, as well as Blue Blue Cross Blue Shield Plans in 13 states, has announced the will extend coverage starting June 1st, so that leaves a small gap that will catch some children loosing family coverage in the next couple of months. Humana will also extend coverage before Sept 23rd, but we don't know precisely when that will begin yet. More individual health insurance carriers are expected to follow suit in the next few days. Be sure to check with your insurer for details.