People under 30
How to get or stay on a parent’s plan

If a parent’s health insurance plan covers dependents, you usually can be added to their plan and stay on it until you turn 26.

Covered by a parent’s plan and about to turn 26? See how to get your own health coverage.

How to get added to a parent’s insurance plan

  • Job-based plans: Your parent can add you to their insurance during the plan’s yearly Open Enrollment Period or during a Special Enrollment Period. Your parent should check with the plan or their employer’s benefits department for details.
  • Plans bought through the Health Insurance Marketplace: When a parent applies for a new plan in the Marketplace, they can include you on their application. They can add you to an existing Marketplace plan only during the yearly Open Enrollment Period or a Special Enrollment Period.

You can stay on a parent’s plan until you turn 26

Once you’re on a parent’s plan, in most cases you can stay on it until you turn 26. (Check with the plan to be sure. Some states and plans have different rules.)

Generally, you can join a parent’s plan and stay on until you turn 26 even if you:

  • Get married
  • Have or adopt a child
  • Start or leave school
  • Live in or out of your parent’s home
  • Aren’t claimed as a tax dependent
  • Turn down an offer of job-based coverage

If you’re covered by a parent’s job-based plan, your coverage usually ends when you turn 26. But check with the employer or plan. Some states and plans have different rules.

If you’re on a parent’s Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).

 
 

Ready to obtain the right health insurance? Check your eligibility for free or low cost health insurance through the marketplace in 4 simple steps...