If you do not claim your son as a tax dependent, he cannot be covered as a dependent under you and your spouse’s Marketplace plan and apply his tax credit to your premium. The federally-facilitated Marketplace (HealthCare.

Yes, as long as you are younger than 26. Being married does not affect your eligibility to be covered as a dependent under your parent’s plan.

No. Your parent’s plan is not required to cover your spouse.

Federal laws require most employer-sponsored plans and all ACA-compliant individual insurance plans, including those available through the Marketplaces, to cover maternity services including pregnancy, childbirth, and newborn care. Cost sharing may apply to some maternity services.

You should act now to review your coverage options and sign up for new coverage. If you are employed, find out if your employer offers health insurance and if you qualify.

You can be covered on your parent’s Marketplace plan up to the end of the plan year that follows your 26th birthday. If your parents don’t claim you as a tax dependent (and you file your own taxes), then your eligibility for premium tax credits will be based on your income alone.

A “Catastrophic plan” is a qualified health plan offered through the Marketplace that covers “essential health benefits” and requires the highest level of cost sharing allowable for those benefits. For 2025, under a “catastrophic policy,” the annual deductible for covered services is $9,200 for an individual.

In general, only young adults under the age of 30 are eligible to buy a catastrophic plan. However, older adults can buy a catastrophic plan if no other qualified health plan offered through the Marketplace in 2025 would cost less than 7.28% of income.