Rap,

Son, fortunately, will continue to be covered by the private policy I have for him. Because of his age, I was able to buy a better policy privately for him for only a few dollars more than the premium through the non-profit for the catastrophic policy. (The non-profit pays the premium for the employee, but not for family.) In fact, even when insurance kicks in at the new job, it may be less expensive for me to continue the individual policy for him than to include him on insurance through work. I'll need to take a close look at that.

It occurs to me, after reading the suggestions regarding short-term insurance, that short term insurance at somewhat lower group rates may be available through my alumni and professional associations. I have other insurances through both at excellent rates.

I appreciate all the comments that have been offered so far. Very helpful as I think things through and consider options, plus informing me of options I had not considered.