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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.