If what you say is true, my company lied to me. They said that they were doing it "beyond what is required by new federal regulations" and they were investigating whether or they would be legally allowed to include adopted kids. They made it sound like they were voluntarily going 'above and beyond' the 'mandate' of 'Obamacare'.

The fact remains that if my 22 year old daughter lives with me, her health care would cost me nothing extra (if she were still in college). Because she's on her own 300 miles away (and can't afford coverage, working as a contractor so it's double FICA for her) it would cost her a LOT. My 17-year-old would be covered under many plans (even though she's now living a few block away with her mother) but some would dump her if she wasn't in college.

I'm hoping that I can get both my kids covered when my own status changes here in a month or two (my 17 year old still is) and my fiancee should be ok once we get married in about 6 weeks.