As retired military I get very low cost health insurance. The downside is that my insurance was exempted from the ACA requirement to be available to my children until they are 26. It only covers them until they are 23.
My son turns 23 tomorrow. He will graduate from college in May. Then he wants to go be an 'intern' on an organic farm in Colorado. He gets some room and board, but just a $500 monthly stipend for pay. There's no way he will be able to afford health care insurance. (Or car insurance, or a cell phone...)
He'll be exempt from a tax penalty, but would you let your child be without health care insurance? Would you tough love him and stop paying for everything, would you wean him off of things sequentially, or would you just keep paying for his stuff?
Parenting was supposed to get easier!