Young Adults and Students

I’m covered under my parent’s policy but I’m moving to another state. Can I remain covered as a dependent?

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Yes, you are eligible to be covered as a dependent up to age 26 regardless of where you actually live. However, your parent’s health plan probably has a network of participating providers and it may be difficult for you to find in-network care when you are living in another state. If you find that your parent’s plan doesn’t cover health providers in the state where you live, you can also explore the option of signing up for coverage on your own. Moving will qualify you for a special enrollment opportunity to enroll in other coverage. You might not be able to sign up for new coverage until after you have moved, depending on where you’ll live.   HealthCare.gov will allow you to sign up in advance for the permanent move special enrollment period, but state Marketplaces are not required to do this.  Check the Marketplace web site in your state for more information about permanent move special enrollment period, qualified health plan options and your eligibility for premium tax credits.

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.