I changed my user name to chaosx2 and after that I haven’t gotten a response from you over clarification on the American opportunity credit which is not a big deal and the second question which was a big deal.
it looks like my son is going to lose his healthcare insurance sooner than I thought in January. and it doesn’t look like he’s going to qualify for New Jersey family care unless they allow the IRA deduction for the modified adjusted income. in case he does not qualify…can he go on insurance from prior employer if he files independent on his taxes Or must he file dependent so that I could count him as dependent for health insurance. I left my company with lifetime benefits but I went on disability and when I qualified for Medicare they threw me off but they’re allowing my children to stay on at an exorbitant cost and only as a family plan with a huge deductible and I cannot be part of it so I have to pay all my Medicare premiums comes to $7000 a year my kids would be 11,000 with deductible of 4000-And I have a lot of out-of-pocket costs so it’s just not affordable for me- I had them covered till 2019 and then they went on their fathers New Jersey family care plan… he does not work and so he has no employer to keep them on a plan till 26 and I surmise he’s going on a plan with his fiancé. he told me my son was on his own to find insurance.
It’s doubtful he’s going to qualify. If he doesn’t - my question is if My son files as independent on his tax return then can I still put him on my insurance as a dependent? In other words does he have to be my dependent on my taxes in order for him to qualify for my healthcare insurance at my prior employer.? I know that they allow kids to stay on until 26 but their father has no employee insurance and mine is insanely expensive. He just told me my son is on his own to find insurance and he’s only 22. So do I have to claim him as my dependent on taxes for him to qualify as dependent for healtcare or can he be independent? because I’m sure there’s 24 year olds that are independent and have parents employer insurance up to age 26…but I don’t know if that means the parents have to claim them as dependents on taxes. Thanks
