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What happens if you stay on your parents鈥?health insurance?
If you鈥檙e among the millions of young adults who have stayed on their parents鈥?health insurance plans, you鈥檒l need to find new coverage. The Patient Protection and Affordable Care Act lets a young person stay on a parent鈥檚 health plan up to age 26. Whether the coverage ends on your birthday or at the end of the policy year depends on the plan.
Do I have to be on my parents鈥?health insurance?
Federal law now requires insurers to give parents the option of keeping their adult children, up to age 26, on their health plan. An insurer can鈥檛 deny coverage based on: However, this federal law doesn鈥檛 require your parents to place or keep you on their health insurance plan. If you can鈥檛 go on your parents鈥?plan, coverage options include:
What to do if you鈥檙e kicked off a parent鈥檚 health insurance plan?
Here are health insurance options to explore when you鈥檙e kicked off a parent鈥檚 plan. If you have a job that offers health insurance, let your benefits administrator at work know you鈥檇 like to enroll in the health plan.
Is it time to take adult kids off the family health plan?
It might be time to take adult kids off the family health plan 1 Adult children can stay on a parent鈥檚 insurance plan through age 26, but that might not be the best option for care. 2 Here is what health insurance experts say to consider when choosing your first health insurance plan. More …