You should consider many factors when deciding on whether you will stay with your parents' plan or purchase a separate health insurance policy. Some of these include the type and amount of coverage you desire, your budget, as well as how well your plan meets your needs.
After 26, can i still be covered by my parents health insurance?
You can continue to be covered by your parents' insurance policy until you are 26 years old if it is a group plan or an individual plan that includes dependent coverage. 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.
Do I still have my parents' insurance when married?
You can continue to be covered by your parents health insurance until the age of 27 if their plan is an individual or group policy that includes dependent coverage. It is important to keep in mind this if you are a parent.
Can I continue to be covered by my parents' insurance even if my spouse has health coverage through his or her 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 particularly important if your state has an open enrollment period or you have a qualifying life event.
Can I continue to be covered by my parents' health insurance after I move?
If you're parents live in a separate state, you might want to buy your health insurance. You can buy a policy through your own state's marketplace or you can shop for an individual plan from the federal or private exchange.
Can I stay on my parents' dental and vision coverage?
The vast majority of group health plans offer dependent coverage, including dental and vision. You can continue to be covered by your parent's dental and vision plan if you are a dependent adult child, a student, financially dependent or resides with them.
Can I stay on my parents' prescription drug and dental coverage?
Even if you are 26 years old, if your parents still cover a dependent (student) or prescription drugs and dental care for you, you may be able to keep the plan. It is particularly helpful if the dental and prescription plans of your parents are costly or difficult to obtain in your new location.
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. It is known as Temporary Coverage or TCC. If you're a government worker, you have up to 60 days after your spouse's 26th birthday to contact your Benefits Coordinator and apply for TCC.