Unfortunately my insurance deductibles didn’t count toward my parents deductibles. My dad met much more than his deductible last year and they still made me meet a separate deductive because somehow our policy had individual deductibles.Your deductible will start over again if you switch coverage. Whatever you’ve paid through your parents policy from September - October WILL count toward them satisfying their deductible, however.
And yes, self-insured plans pre-empt state requirements. Federal dependent coverage age limit is 26. Florida happens to have imposed a state-level limit of 30, but, given pre-emption of self-insured plans, this only applies to fully-insured plans.
Generally only smaller employers (
EDIT: Insurance is my career and I find all of this to be insane and impossibly complicated to navigate. Single-payer system would likely make me unemployed, but it’s just about the only thing to solve this mess. Employers should not have the burden of paying for employee healthcare.