Can your 28 year old child ull time student be covered under my family medical insurance policy?

Yes, if you live in New York, New Jersey, Pennsylvania, or South Dakota. These states allow dependents past age 26 to stay on the parents' plan if certain other requirements are met. In New York, the child can be up to age 30 but has to reside in the state. In New Jersey, it's age 30 but the child has to be unmarried and have no children. Pennsylvania it's age 30 and full-time student OR unmarried and no children. South Dakota, it's 29 and a full-time student.