The Notification Timeline
About one month before the dependent's 26th birthday, the system sends out warnings:
Administrators receive a "member age-out warning" notification (in-app, email, and/or push depending on their settings). The message flags that the dependent will turn 26 soon and prompts the admin to reach out and discuss options
The subscriber (the employee/parent holding the coverage) receives a "Dependent aged out" email explaining:
The dependent is turning 26 and will lose coverage on a specific date
Their coverage options (federal marketplace via Healthcare.gov, or coverage through the dependent's own employer)
The disabled-dependent exception
Important: The dependent does not receive a direct notification. Communications go to the subscriber and to administrators, who are expected to relay the information to the dependent.