You should consider many factors when deciding on whether you will stay with your parents' plan or purchase a separate health insurance policy. These factors include your budget and the level of coverage you need.
After 26, can i still be covered by my parents health insurance?
You can remain covered under your parent's health insurance up until age 26 if their plan is an individual or group policy which offers coverage for dependents. This is especially true for young people with relatively low-incomes, who may qualify for a Medicaid premium-free plan or a premium subvention through the exchange.
However, if your parents' employer offers a plan that is grandfathered and does not require you to be covered under the parent's coverage, you cannot remain on the policy after age 26. You should speak to your parents if they offer a plan which requires you to remain covered by their coverage.
How long can I remain on my parents' health insurance policy if I am married?
If you are married, you can stay on your parents' health insurance until you turn 27 if they have an individual plan or group coverage that offers dependent coverage. If you have children, this is a must.
Can I stay covered under my parents' health plan if both my spouse and I are covered by our employer?
Depending on whether your spouse is employed by a company that provides dependent coverage or an individual plan, you may be able stay on your parent's health insurance after marriage. This is especially important during the open enrollment period in most states or if you experience a qualifying event.
Can I continue to be covered by my parents' health insurance after I move?
You might consider buying your own health coverage if your parents reside in a different location than you. You can choose to purchase your policy in the marketplace of your home state or from a federal or private exchange.
What if I want to continue my parents' vision and dental coverage?
Almost all group health plans provide coverage for dependents. This includes dental and visual care. You can keep your parents' dental or vision coverage if you live with an adult child that is financially dependent on them, or is a student.
What if I want to continue my parents' dental and prescription drug coverage?
You can continue to use the same dental and prescription drug plan after turning 26 if you still have a dependent or student covered by your parent's coverage. This is useful if you are moving to a new area where the prescriptions or dental plans offered by your parents may be expensive or hard-to-find.
Can I keep my parents Medicare, dental and Vision coverage?
For as long as they remain disabled or retired, your parents can continue receiving Medicare, dental and Vision coverage. TCC is the temporary continuation of coverage. If you are a government employee, you have 60 days from the time your spouse turns 26 to notify your Benefits Contact and apply for TCC.