# Eligibility and Rating Rules Ideon's rating engine for individual quoting supports two main rules for eligibility and rating: the eligible children cap and the maximum age of child dependents. For both of these, Ideon supports the standard values, with a few carrier-specific exceptions. At this time, nuanced business rules - as seen in the CMS PUF file, for example - are not included. ## Eligible Children Cap for Rating For all individual medical quotes, up to a maximum of three children age 20 or younger will be rated for premiums. Additional children under the age of 20 do not incur additional charges for family health insurance policies. This logic is implemented in Ideon's rating engine. Children 21 and older are always included for premium calculation. The oldest three children age 20 or younger are rated for premiums; additional children are not. ## Maximum Age of Child Dependents Ideon's rating engine includes logic to evaluate eligibility of child dependents based on their age. Child dependents are defined by the `child` parameter in the list of `applicants` for a quote request. For most carriers and plans, child dependents age 25 or younger are eligible. Certain carriers allow for child dependents up to age 26 or above. If a child is ineligible in the evaluation of this rule, the Medical Plan Search endpoint will return a 200 response but include no quoted `plans`. A quick workaround to circumvent this rule is to set the `child` parameter to false to allow for rating. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://ideonapi.gitbook.io/quote-and-select/quote-individuals/aca-medical/quote-applicants/eligibility-and-rating-rules.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.