Getting your own health coverage when you turn 26

If you have health insurance under a parent’s plan and are turning 26, you need to take action. If you don’t, you may wind up with no health coverage. You also may have to pay a fee for not having coverage through 2018. (Note:成年短视频在线观看 Starting with the 2019 plan year (for which you’ll file taxes in April 2020), the fee no longer applies.)

Enroll in your own job-based plan

成年短视频在线观看If your employer offers health insurance you haven’t been enrolled in, losing your parent’s coverage qualifies you to enroll in the plan outside its yearly Open Enrollment Period. Contact your human resources representative before turning 26 to learn your next steps.

IMPORTANT: Risks of turning down employer coverage If your employer offers health insurance and you decide not to enroll in it, you generally won’t qualify for a premium tax credit and other savings based on your income to buy a Marketplace plan. You’d have to pay full price. Learn about the limited exceptions.

Enroll in your own Marketplace insurance plan

Your options depend partly on whether the parent’s plan you're enrolled in is through the Health Insurance Marketplace or their job.

If you're covered by a parent's Health Insurance Marketplace plan

  • You can stay on your parent’s plan until coverage ends December 31, even if you turn 26 mid-year.
    • If you’re not your parent’s tax dependent when coverage ends December 31: You can enroll in a Marketplace plan yourself for the next year during Open Enrollment. You’re eligible for savings if you qualify based on your income and don’t have an offer of job-based coverage. Most people who apply qualify for savings — for either a Marketplace health insurance plan or Medicaid coverage.
    • If you are a tax dependent when coverage ends: You can enroll in your own Marketplace plan during Open Enrollment. But you won’t be eligible for savings based on your income. You’d have to pay full price. You may qualify for Medicaid.

If you’re covered by a parent’s job-based plan

Your coverage will usually end during or shortly after your 26th birthday month. Check with the plan or your parent’s employer for the exact date.

When you age off a parent’s job-based plan, you qualify for a Special Enrollment Period成年短视频在线观看 to buy health insurance. Your Special Enrollment Period starts 60 days before you lose coverage and ends 60 days after.

  • If you enroll before you lose coverage: Your new Marketplace plan can start as soon as the first day of the month after you lose coverage.
  • If you enroll after you lose coverage: Your new Marketplace plan can start the first day of the month after you pick a plan.

Qualifying for savings on a Marketplace plan

  • If you’re not your parent’s tax dependent when you lose coverage: You’re eligible for savings if you qualify based on your income and don’t have an offer of job-based coverage. Most people who apply do qualify for savings — for either a Marketplace health insurance plan or Medicaid coverage.
  • If you are a tax dependent when you lose coverage: You can enroll in your own Marketplace plan but won’t be eligible for savings based on your income. You’d have to pay full price. You may qualify for Medicaid.