how is it possible for your father to be on your mom policy? I thought it all required a SS number and verification of status. Public charge became official on the form on Feb 20th 2020 but likely be removed if Biden wins. If your father doesn't have preexisiting conditions that requires medical care i would take him off for now. If he does then I would keep him on and wait to adjust when a Democrat president comes to the white house. Life > Status