Adulting 101: When and How Adult Children Become Responsible for Their Own Health Insurance

Adulting 101: When and How Adult Children Become Responsible for Their Own Health Insurance

As any parent can attest, time flies. Not only do children grow up quickly, once they reach 16 years of age, time seems to accelerate even faster. In that next decade, most young people will drive, graduate from high school, attend college or start a career and perhaps even marry. One of the last stages of growing into an adult is taking responsibility for one’s own health care. Welcome to Adulting 101: Taking Care of Your Own Health Insurance.

Current Coverage Under the Law

According to the United States Department of Health and Human Services, if a parent’s health insurance plan covers children, they can add or keep their children on their health insurance policy until they turn 26 years of age. What’s more, these adult children can remain under their parent’s insurance coverage until 26, even if they are married or not living at home. Furthermore, children can stay covered by parent’s health insurance even if they are not financially dependent on their parents or are eligible to enroll in their own employer’s plan. Of course, if they are attending school, they can also remain on their parent’s plan.

What Happens at 26 Years Old?

Adulting and health insurance reaches a milestone when an adult child turns 26 years of age. Upon a person’s 26th birthday, they are no longer eligible for the “under 26” benefits listed above and qualify for a special enrollment period for coverage. This allows them to acquire coverage beyond the traditional Open Enrollment Period.

Once turning 26, an individual should accept a plan offered by their employer, or should seek out a health insurance plan through the Health Insurance Marketplace. One of the last strings attaching children to parents are being cut.

While health insurance may not be perfect, the period to phase in individual coverage for young people is more than generous. This allows families and individuals time to make adjustments in their life throughout a period when people are starting their careers or finishing school. Should you have any questions about health insurance, we invite you to contact our professionals to learn more.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Unveiling the Quirks and Curiosities of Geography: A Journey Through the Unconventional Landscape of the United States

From Detroit’s Northern Prominence to South America’s Surprising Proximity: Unveiling the Unconventional Geographic Facts of the United States

Safeguarding Your Business with Income Interruption Insurance

Business Interruption Insurance: A Shield Against Financial Disasters

A Gift That Keeps on Giving: The Enduring Benefits of Child Life Insurance

Child Life Insurance: A Timeless Gift of Love, Protection, and Financial Security

Demystifying No-Fault Insurance

Unraveling the No-Fault Insurance Enigma: A Comprehensive Guide to Navigating the Auto Insurance Landscape

Navigating the Deductible Dilemma Maze

Insurance Deductibles: A Delicate Dance Between Financial Security and Premium Savings

Evolving Entertainment: A Journey Through the History of In-Car Entertainment

In-Car Entertainment: A Chronicle of Technological Advancements and Changing Driving Experiences

Debunking Insurance Myths: Unveiling the Realities Behind the Industry

Insurance Unveiled: Separating Fact from Fiction in the World of Protection

From First Crash to Compulsory Coverage: A Journey Through the History of Auto Insurance

Auto Insurance: A Tale of Accidents, Legislation, and Financial Protection

Insuring the Unexpected: A Glimpse into the World of Bizarre Insurance Policies

From Million-Dollar Legs to Kidnap Insurance: Unveiling the Quirky World of Unusual Policies

Navigating the Maze of Auto Insurance: Understanding the Coverage You Need

Auto Insurance Explained: A Comprehensive Guide to Protecting Yourself and Your Car