How Long Can You Stay on Your Parent’s Health Insurance?

Most children can stay on their parent’s plan until age 26

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losing health insurance through your parents

The Balance / Laura Porter

Current federal law enables you to remain on a parent’s policy up to age 26, and some state laws allow you to keep the coverage even longer.

When it’s time to get your own coverage, it’s important to know how to get a policy and understand the type of plan that will best fit your needs. Some plans offer more affordable premiums, while others pay more health care costs. But what’s most important is that you continue health insurance coverage, even if you’re young and healthy.

Key Takeaways

  • Unmarried and married children can stay on their parent's insurance until they turn 26.
  • Some states extend the deadline indefinitely for disabled dependents who are incapable of self-sustaining employment.
  • If you age out of your parent's plan, you can buy coverage from the Health Insurance Marketplace—at
  • Also, some employers offer group health insurance where the employer pays a portion of the employee's insurance premium.
  • COBRA—Consolidated Omnibus Budget Reconciliation Act—allows you to extend your coverage from your parent's insurance after 26 years old, but it doesn't last indefinitely.

When You Will Lose Health Insurance Through Your Parents

The Affordable Care Act (ACA) mandated that children are covered by a parent’s health insurance plan until the child turns 26 if the parent’s health plan offers coverage for dependents. The rule applies to unmarried and married children and all types of health plans, including employer-sponsored coverage, according to the Department of Labor.

The law also allows you to remain on a parent’s plan until age 26 if you:

  • Go to college or drop out of school
  • Adopt or have a child
  • Move out of your parents’ house
  • Are not claimed as a dependent on your parents’ tax returns
  • Refuse an offer of employer-sponsored health insurance


If your parents have coverage from the health insurance marketplace, you can remain on the policy until December 31 of the year you turn 26, or the oldest age allowed by your state’s insurance code.

Some States Extend the Age Limit

Some states follow the ACA’s age-26 rule, but others have laws that allow you to remain on a parent’s health insurance policy longer—but only under certain conditions. Although the following states offer exceptions, health care laws are subject to repeal or revision.

  Dependent Age Limit Exceptions
Florida Up to age 30 for unmarried dependents with no children and who live with their parents, or who are students 
Georgia No age limit for disabled dependents incapable of self-sustaining employment
Idaho No age limit for disabled dependents
Illinois Up to age 30 for dependents who are veterans
Indiana No age limit for disabled dependents incapable of self-sustaining employment
Iowa No age limit for disabled dependents and full-time students
Massachusetts No age limit for disabled dependents incapable of self-sustaining employment
Minnesota No age limit for disabled dependents
Missouri No age limit for disabled dependents incapable of self-sustaining employment
Nevada No age limit for disabled dependents incapable of self-sustaining employment
New Jersey Through age 30 for unmarried dependents who have no dependents
New York Through age 29 for unmarried dependents who are residents of New York No age limit for unmarried, disabled dependents incapable of self-sustaining employment
Ohio No age limit for disabled dependents incapable of self-sustaining employment
Oregon No age limit for disabled children
Pennsylvania Through age 29 for those without dependents and are residents of Pennsylvania, or full-time students without dependents Up to the length of deployment for full-time students who are National Guard or reservists who leave school due to deployment
Rhode Island No age limit for disabled dependents
South Carolina No age limit for disabled dependents incapable of self-sustaining employment
South Dakota Through age 29 for full-time students No age limit for disabled dependents incapable of self-support
Wisconsin No age limit for full-time students called to federal active duty in National Guard or reserves under age 27

Health Insurance Options for Young People 

If you have aged out and need to find new health insurance, you have a few options.

Employer-Sponsored Health Insurance

Some employers offer group health insurance plans for their employees. With a group plan, the employer chooses the plan and often pays a portion of your premium. Some group plans may limit the doctors and hospitals from which you can seek services, and you may not be able to keep the same coverage when you go to work for another employer.


In 2021, employer-sponsored coverage cost an average of $7,739 for single coverage and $22,221 for family coverage. Typically, workers pay an average of 17% of the cost for single coverage and 27% for family coverage, according to the Kaiser Family Foundation.

The Health Insurance Marketplace

The marketplace provides health insurance tailored for people who don’t get health insurance through an employer. Many marketplace participants receive subsidies that lower their premiums. You can research and buy marketplace coverage at or through your state’s marketplace. Marketplaces allow you to apply during “open enrollment” periods that typically run from Nov. 1 to Jan. 15.


Some insurance companies offer short-term health insurance plans that provide basic health coverage but do not comply with ACA rules. These relatively affordable plans can be a stop-gap if you aren’t eligible for marketplace plans. Beware: Short-term plans can deny coverage for preexisting conditions.


The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows workers who have employer-based health insurance to continue their benefits. COBRA coverage is only available following certain qualifying events such as job loss, reduction in work hours, death of the policyholder, or divorce from the policyholder. The ACA also dictates that COBRA coverage extends to dependent children up to their 26th birthday. Although COBRA can help bridge the gap if you lose your coverage, it often requires you to pay the entire premium out of pocket.


Federal and state governments work together to provide Medicaid, which is health insurance available to low-income adults, elderly adults, people with disabilities, children, and pregnant women. States administer Medicaid according to federal guidelines. Eligibility for Medicaid is based on your modified adjusted gross income. To qualify, you must hold U.S. citizenship or have a qualifying non-citizen status, such as permanent residency. Typically, you must be a resident in the state in which you apply for Medicaid.

School-Sponsored Health Insurance

Many colleges and universities offer health insurance policies to their students. A school-based plan might cost approximately $1,600 for one semester and $4,200 for the full year. Copayments can range from $30 for an office visit to $150 for an emergency room visit. Check with your school to find out what its plan covers.

Choosing the Type of Insurance Plan

Before shopping for your first health insurance policy, it’s important to know the types of plans available, the level of coverage you can expect, and associated costs. Below are some of the most common types of health insurance plans.

Exclusive Provider Organization (EPO)

With an EPO, the plan will only cover costs if you seek the services of doctors, hospitals, and services within the defined network, except when you need emergency care.

Health Maintenance Organization (HMO)

HMOs contract with doctors, sometimes within a specific service area, to provide care and preventive health services. This type of plan only covers the cost of services provided by in-network caregivers, except in emergencies.

Point of Service (POS)

With a POS, you pay less for physician and hospital care when you seek services with a network. To receive specialist care, you must obtain a referral from your primary care physician.

Preferred Provider Organization (PPO)

PPOs offer reduced-cost services when you seek care from doctors and hospitals within a network. This plan doesn’t require you to obtain a referral for specialist care.

Health Insurance Costs

Health insurance coverage requires you to pay a monthly premium. But you’ll also have to pay other costs when you need care.


The deductible is the amount of money you must pay out of pocket before the policy starts covering costs. For example, if your annual deductible is $1,500, you must pay 100% of medical costs each year up to $1,500. Afterwhich, your insurance plan kicks in.


Copays are fixed payments for certain services, such as urgent care, primary care, or a specialist visit. You pay before or after you meet your deductible, depending on the plan. For example, a plan may require you to pay a $20 copayment each time you visit your doctor.


Coinsurance is a specific percentage of the cost of service that you must pay. Coinsurance can vary depending on the health plan. For example, if you have a plan with 80/20 coinsurance, you would pay 20%, and the insurer would pay 80% of medical costs. However, not all plans require you to pay coinsurance, but the plans that don't might charge a higher monthly premium than the plans with coinsurance.

Out-of-Pocket Maximum

A health insurance plan may cap the amount of money you must pay for health care services each year.

  • For 2022, Marketplace insurance plans cap out-of-pocket costs at $8,700 for single coverage and $17,400 for family coverage.
  • For 2023, Marketplace plans cap out-of-pocket costs at $9,100 for single coverage and $18,200 for family coverage.

Do Young People Really Need Health Insurance?

If you’re healthy, you might not think you need health insurance until you’re older. But consider this: Treatment for a broken leg can cost up to $7,500, and a hospital stay can cost $10,000 per day, according to the U.S. Centers for Medicare and Medicaid Services. If you don’t have health insurance, you’ll have to shoulder the entire cost of medical expenses if you sustain an injury or become ill. 


Nearly 20% of households have delinquent medical debt and about 9% of households have at one time filed bankruptcy due to health care expenses, according to a 2019 survey conducted by the Kaiser Family Foundation and the Los Angeles Times.

Also, consider the potential for future health problems. Federal law doesn’t allow ACA-compliant insurance plans to deny coverage for a preexisting condition such as diabetes or heart disease.

Frequently Asked Questions (FAQs)

Can I stay on my parent's insurance after the age of 26?

Typically, federal law enables you to remain on a parent’s insurance policy up to the age of 26. However, some states allow you to stay on their insurance up to the age of 29 and 30 years old. Other states only allow dependent children who are disabled and incapable of self-sustaining employment.

What are my insurance options when I turn 26?

The Health Insurance Marketplace—at—provides health insurance options, and you might qualify for subsidies that can lower your monthly premiums.

Check with your employer since some companies offer employees group health insurance. The employer usually pays a portion of your premium, which might make it cheaper than buying a policy individually.

Coverage from COBRA—Consolidated Omnibus Budget Reconciliation Act—often allows you to get insurance coverage on your parent's employer's plan beyond your 26th birthday, but the coverage may not last indefinitely.

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  1. govinfo. "The Patient Protection and Affordable Care Act," Page 124 STAT. 132.

  2. U.S. Department of Labor. "Young Adults and the Affordable Care Act: Protecting Young Adults and Eliminating Burdens on Businesses and Families FAQs."

  3. "How To Get or Stay on a Parent's Plan."

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  5. Kaiser Family Foundation. "2021 Employer Health Benefits Survey."

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  7. Centers for Medicare & Medicaid Services. "Young Adults and the Affordable Care Act: Protecting Young Adults."

  8. U.S. Department of Labor. "Continuation of Health Coverage (COBRA)."

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  10. Columbia University. "Columbia Health, About the Columbia University Student Health Insurance Plan."

  11. Aetna. "HMO, POS, PPO, EPO and HDHP With HSA: What’s the Difference?"

  12. "Out-of-Pocket Maximum/Limit."

  13. "Why Bother With Health Insurance?"

  14. Kaiser Family Foundation. "Kaiser Family Foundation/LA Times Survey of Adults With Employer-Sponsored Health Insurance," Page 10.

  15. U.S. Department of Health & Human Services. "Pre-Existing Conditions."

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