Can I Stay on My Parents’ Health Insurance Plan Until I’m 26?

If your parents’ plan covers children, you can be added or kept on their health insurance policy until you turn 26 years old.

Children can join or remain on a plan even if they are:

  • Married
  • Not living with their parents
  • Attending school
  • Not financially dependent on their parents
  • Eligible to enroll in their employer’s plan

Once you or your child turns 26, he or she may switch to employer coverage or get a health insurance plan through the Marketplace during a special enrollment period.

How to Get Coverage for Adult Children

Adult children may be enrolled during a plan’s open enrollment period, or during any other special enrollment opportunities. For more details, contact your employer or insurance company.

Those who are under 26 can be signed up directly in new Marketplace plans. Be sure to include your child on the list of people to be covered.

Are There Any Exceptions to the Under-26 Rule?

There is only one exception to the under-26 rule for insurance coverage in NC, and it is temporary. Until 2014, grandfathered employer plans don’t have to offer dependent coverage up to 26 if a young adult is eligible for group coverage outside their parent’s plan.

Call Independent Benefit Advisors to Learn More About Health Coverage For People Under 26

Still have questions about health insurance coverage for young adults under the age of 26? Contact IBA today. We serve North Carolina by helping both individuals and businesses find the health care coverage they need that fits their budget. Give us a call at (919) 303-9690 to get started.

Young adults in ApexRaleighDurhamCaryCharlotteFuquay-VarinaGreensboroRocky MountSanfordWake Forest, and across North Carolina choose Independent Benefit Advisors for help finding the right insurance plan for them.