I happen to look for some answers from OPM (federal) regarding the child care portion. Does'nt affect me,my kid is older than 26.
24. Can I remove my child from my FEHB Self and Family enrollment?
No. Your child will remain covered until his or her 26th birthday
25. Who is responsible for the out-of-pocket health expenses of my child age 22 through 25?
It depends. Generally, the adult child is responsible for any out-of-pocket health expenses charged by the health care provider. You can work with your provider to determine who pays for the out-of-pocket expenses incurred by your adult child. We cannot guarantee that the provider will not seek payment from you if your adult child fails to pay.For those who are all for having their adult "child" up to 26 years of age covered.
Do you realize you may be on the hook for your childs medical expenses not covered by insurance? Once enrolled you can't cancel them till age 26. While I think most of us would do what we can for our kids, not sure I would want to be on the hook for my adult offspring.