Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
Re: Who's responsible for medical debt of child over 18 covered on our insurance?

I think there may a big difference between who is legally responsible for a debt and what may hit your husbands credit report. I'm afraid it is going to vary according to the laws of the states involved, the insurance company, any medical offices and collection agencies involved, and the actions of his son and his ex.


It seems that your primary motivation is to avoid problems with your husband's credit. I think the best way to do that is for him to remove his son from the insurance. He will still have some exposure but it is going to be very difficult to work out something that works well with an irresponsible ex and/or child.