Difficult Daughter is 25, living at home with 1 1/2 yr old son, doing pretty well, working 20-25 hrs/wk at a grocery store, takes care of her son, no drugs or alcohol that we know about (her job drug tests so we're pretty sure about that). Her son's "father" is out of the picture. He has a restraining order against her - he had her arrested for domestic violence, lied and the cops believed him so she has to go to DV class and do community service, which she is doing even though it's unfair. Anyhow I'm retired (31 years teaching, last 10 in continuation school, all Difficult Child, all the time, became an impossible situation when new administration came in that didn't have a clue). 23 yr old son and 25 year old daughter are still covered by my health insurance. In October rates are increasing and it's going to cost almost $600/month for them to be covered. August is open enrollment when I can make changes so I have to decide if I should keep them on or drop them. Son is 23, finished community college, was going to transfer to 4 yr school but decided to pursue a modeling career instead. (Oi vay). What this means in reality is that he works part time in a sandwich shop. He lives in an apartment in a building we own that was close to the community college but now he's just living there rent free. So he's on the insurance too. We originally had him live in the apartment at least in part because Difficult Child drama was going full bore then and we wanted to get him away from the chaos. Looking back it wasn't a good idea because now he thinks he can sustain a pretty decent lifestyle working part time for minimum wage. I'm debating about the insurance. I know they're adults and need to be responsible for themselves. Last year I claimed them both as dependents but this year probably won't. My wife has had some very major health issues over the past year and really enjoys our grandson living here. Anyhow, what do you think about insurance?