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Learn about how long you can stay on your parent's health insurance plan.
Young adults can stay on a parent's health insurance plan until they turn 26. All health insurance providers have to allow young adults to stay on their parent's health insurance plan until their 26th birthday. Young adults are allowed to stay on the plan even if they are married, not living with their parents, attending college, financially independent from their parents, or eligible for an employer's health insurance plan.
Young adults do not have to stay on their parent's plan. They can join a spouse's plan, an employer's plan, a college-provided plan, or buy their own plan from the marketplace. Young adults can't join a new plan whenever they want; you must either qualify for a Special Enrollment Period to join a new plan or buy a plan during Open Enrollment.
If a young adult chooses to leave their parent's health insurance plan, they can be re-added to the plan before they turn 26.
When someone turns 26, they qualify for a Special Enrollment Period where they can purchase health insurance on the marketplace.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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