If I carry health insurance on my 21 year old son, if he uses my insurance do I become responsible for any unpaid balances?

Asked on July 17, 2014 under Insurance Law, North Carolina


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

Yes; if he is on your insurance, you would be liable or responsible for any unpaid balances, so not only would health care providers, etc. look to you for payment, but it's your credit which would be hurt if they are not paid. You could have a written agreement with your son that he will repay/reimburse you, but that agreement is only between the two of you--it does not change the fact that you are responsible for the balances in the first place.

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