People under 30

If a parent’s health insurance plan covers dependents, you usually can be added to their plan and stay on it until you turn 26.

How to get added to a parent’s insurance plan

• Job-based plans: Your parent can add you to their insurance during the plan’s yearly Open Enrollment Period or during a

A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount. Refer to glossary for more details.

The yearly period (November 1 – January 15) when people can enroll in a Marketplace health insurance plan. Refer to glossary for more details.

You can stay on a parent’s plan until you turn 26

• Get married
• Have or adopt a child
• Start or leave school
• Live in or out of your parent’s home
• Aren’t claimed as a tax dependent
• Turn down an offer of job-based coverage

If you’re covered by a parent’s job-based plan, your coverage usually ends when you turn 26. But check with the employer or plan. Some states and plans have different rules.

If you’re on a parent’s Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).