We cannot keep him on our insurance policy. Adult children can only remain on our policy if they are full time college students until 23.

He is disabled, I did not go into full medical disclosure, but he was literally crippled as a child with rhuematoid arthritis. His hip would go so far out of joint when he was 4 that one leg appeared 2 inches shorter than the other.

With outstanding medical care and medication, that has not bothered him since. I really appreciate all of your advice! Keep it coming!