Young Adults and Students

I’m covered as a young adult dependent on my parent’s policy now, but my 26th birthday is next summer, at which point I won’t be eligible for dependent coverage any longer. Should I apply for Marketplace health plans and subsidies now, during Open Enrollment?

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You can remain covered as a dependent on your parent’s policy until the end of the plan year following your 26th birthday. Once you lose eligibility, you will qualify for a special enrollment opportunity due to loss of other coverage.  This will let you apply for health coverage and assistance through the Marketplace, even though it won’t be during a regular Open Enrollment period.

In addition, if your parent’s policy is a group plan offered by an employer with at least 20 workers, you would also be able to continue coverage under the policy through COBRA for up to 3 years.  However, the employer contribution to the premium would likely end and Marketplace subsidies cannot be applied to the COBRA coverage.

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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