Rhode Island MPJE Practice Exam 2026 – Complete Study Guide

In the context of health insurance policies in the United States, the Affordable Care Act allows children to remain on their parents' insurance plan until they reach the age of 26. This provision was implemented to ensure that young adults could have access to healthcare coverage during transitional periods in their life, such as attending college or starting their careers, where they may not have access to their own insurance.

This age limit provides a significant benefit to families, enabling young adults to maintain coverage without needing to secure their own policy until they are more established in their personal or professional lives. The other age options provided, such as 20, 21, or 22, do not align with the current regulations and would not provide the same level of support for young adults. Thus, the correct answer reflects the established legal standard regarding dependent coverage in health insurance policies.