How Long Can You Stay on Your Parents’ Health Insurance?
As a young adult, chances are you have questions about your health insurance. So, here’s a rundown of how long a child or young person can stay on their parent’s health insurance, and what happens when your coverage runs out.
When Can I Stay on My Parent’s Health Insurance?
Thanks to the Affordable Care Act (ACA), you can stay on your parent’s health insurance until you turn 26. This is the case even if you have kids, qualify for another plan, start school, or live elsewhere. You don’t need to be dependent on your parents financially, either – it all comes down to age.
Can I Stay on My Parent’s Health Insurance After Age 26?
Not typically, but some states may have different age limits. New York, for example, allows under-29s to remain part of their parent’s health insurance plan if they can’t get employer-sponsored insurance. There’s also a nationwide exception for disabled persons aged 26 or over if:
- They are mentally or physically disabled;
- This disability means they cannot support themselves; and
- The disability began before they turned 26.
Otherwise, your coverage ends when you turn 26. The coverage may not end immediately – it could be during your birthday month or the calendar year. This gives you time to shop around for your own insurance plan without leaving a gap in your coverage.
Can You Stay on Your Parent’s Health Insurance if You’re Married?
Yes. So long as you’re under 26, you can normally stay on your parent’s health insurance plan even if you’re married. However, you might opt to choose your own insurance plan instead – it depends on you and your family’s needs.
Should I Stay on My Parent’s Health Insurance?
It’s a personal choice. On the plus side, staying on your parent’s health insurance means there’s one less thing for you to worry about. You can rest easy knowing your healthcare needs are taken care of.
However, your parent’s plan might not actually be the best option for you financially. And if you live away from home, you might prefer to have more control over your own healthcare.
What Should I Do if I’m No Longer Covered by My Parent’s Health Insurance?
Turning 26 triggers a Special Enrollment Period (SEP). At this point, you can choose your own health insurance policy, whether it’s through your employer or the open marketplace.
- Think about what type of coverage you need for your health.
- If you have dependents or a family, consider a family health plan.
- Determine your budget for insurance premiums.
- Shop around for the best deal.
Can My Parents Remove Me From Their Health Insurance?
Yes. By law, health insurance issuers must offer coverage to under-26’s as part of their parent’s plan, but your parents can remove you from the plan before this date. At Healthedly, we can help you find, compare, and enroll in the best available individual and family health plans – call us today on (855) 522-2201.