It is important to weigh many factors before deciding whether or not to remain under your parents’ health insurance. Some of these considerations include the kind of coverage and budget you're looking for as well how the plan will fit your needs.
I am 26 years old. Can I still stay on my parents' health insurance?
If you're under 26, your parents can still cover you on their insurance if they offer dependent coverage. It is important to note that young adults with low incomes may qualify for premium subsidies in the exchange or premium-free coverage through Medicaid.
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. Contact them to discuss your options if you're required to cover under your parent’s plan.
Can I continue to be covered by my parents health insurance after marriage?
If you have children, this is especially important. If you have children, this is a must.
Can I continue to be covered by my parents' insurance even if my spouse has health coverage through his or her employer
If your spouse has a group plan that includes dependent coverage, or an individual health plan, it may be possible to continue your parents' health care insurance even after you get married. It's especially important to keep this in mind during the open enrollment periods of most states and if you suffer a qualifying health 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 either buy your own policy on the state-based marketplace or choose an individual plan at a federal, private or even a federally-run exchange.
How long can I remain on my parent's dental and vision insurance?
The majority of group plans include coverage for dependents including dental and eye care. This means that you can stay on your parents' dental and vision plans if you have an adult child who is either a student or financially dependent, or who lives with them.
How long can I continue to be covered by my parents' drug and dental insurance?
If you have a student or dependent who is still covered by your parents' prescription drug and dental coverage, you can keep the same plan even after you turn 26. 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 remain on my parent's Medicare, Dental and Vision Coverage?
You can still continue to provide Medicare, vision and dental coverage for your parents if they are disabled or retired. This is called Temporary Continuation of Coverage, or TCC. If you are an employee of the government, then you have 60-days from when your spouse turns 26, to notify your Benefits contact and apply TCC.