MY STBX still carries my two oldest children as well as myself, on his health insurance with no problems. I guess that it would depend on what the specific guidelines of the insurance policy states. My STBX has BCBS. As long as she is covering the co-pays and such and it isn’t costing anythin additional to carry this child, the ‘better person’ thing to do would be to allow it. Children with special needs will be difficult to get new coverage for especially if the needs were diagnosised while on the exsisting policy (I live this each day).