I will pay my kids living expenses, including medical, through college while they live at home. Once they move out or quit school, then they will be expected to pay thier own bills. Gap years would be ok, depending on the reason. There are many, many colleges in our area, if they have to leave home to go to a different college, I will only pay their expenses if they don't have a suitable local choice.
Ds22 has only been to the doctor twice in 5 years *maybe longer for things other than checkups; strep throat and esophageal burn due to his doxycycline. Those bills would have been $200-300 without any insurance. If his health continues in similar trends, then he will be fine to pay his own medical bills.
DD18 has had over 100 appointments in the last year and each year hits our out of pocket max of $5000 In 2017 she has already had 60 appointments, so we will easily top 100 next year. There is no way she could pay that on top of how expensive living on your own is in our area. She can't work or go to school full time due to her health. If her health continues to decline, I may have to look at having her apply for disability services. (Her medical condition is one that could leave her wheelchair bound.) She gets 2x week IV treatments which our portion are $1000 per month and massage/chiropractic weekly which is $120. Then you start adding in all the specialists and PCP....
Edited by Tap, 19 May 2017 - 10:16 AM.