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Get your taxes done using TurboTax
It may not be worth the 'fight' for just one year of insurance, but the definition of "dependent" for issuing health insurance is not the same as a Tax Dependent. For issuing health insurance, "dependent" only has to do with the relationship. For tax purposes, "dependent" as far more restrictions (living with you, support, etc.).
Here is the legal gibberish:
A group health plan, or a health insurance issuer offering group or individual health insurance coverage, that makes available dependent coverage of children must make such coverage available for children until attainment of 26 years of age.
Restrictions on plan definition of dependent - In general. With respect to a child who has not attained age 26, a plan or issuer may not define dependent for purposes of eligibility for dependent coverage of children other than in terms of a relationship between a child and the participant (in the individual market, the primary subscriber). Thus, for example, a plan or issuer may not deny or restrict dependent coverage for a child who has not attained age 26 based on the presence or absence of the child's financial dependency (upon the participant or primary subscriber, or any other person); residency with the participant (in the individual market, the primary subscriber) or with any other person; whether the child lives, works, or resides in an HMO's service area or other network service area; marital status; student status; employment; eligibility for other coverage; or any combination of those factors. (Other requirements of Federal or State law, including section 609 of ERISA or section 1908 of the Social Security Act, may require coverage of certain children.)
https://www.law.cornell.edu/cfr/text/45/147.120
https://www.law.cornell.edu/cfr/text/29/2590.715-2714
At any rate, it does NOT affect your eligibility for the Premium Tax Credit.