Young Adults and Students

I’m a young adult and I need health insurance. What are my coverage options?

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A number of options may be available to you:

  • If your income is $20,783 or less in 2025 (138% FPL for a single adult), you may qualify for Medicaid coverage. Not all states have elected to expand Medicaid eligibility to this income level. Check with your state Marketplace to find out more about Medicaid eligibility in your state. 
  • If your parents have employer-sponsored health insurance that offers dependent coverage, you can join (or stay on) their policy as a dependent and remain covered until your 26th birthday (or if your parents have a Marketplace plan, until the end of the year when you turn 26).
  • If you are employed, find out if your employer offers health insurance and if you qualify.
  • Or you can buy a policy on your own through your state health insurance Marketplace. All plans sold through the Marketplace must meet requirements for covered benefits and cost sharing. Depending on your income, you may be eligible for help to reduce the cost of plan premiums and/or cost sharing.
  • Special, “catastrophic” policies with very high cost sharing must be offered to young adults under the age of 30, or if there is no qualified health plan offered through the Marketplace that would cost less than 7.28% of income in 2025. Premium and cost sharing subsidies are not available for catastrophic plans.
  • If you are a student, you may be able to enroll in student health offered through your college or university.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.