How long can I stay on my parents' health insurance?
Per federal law, you can remain on your parents' health insurance until your 26th birthday. There are no restrictions, so you're eligible for coverage under your parents' plan even if you're:
- Not in school
- Not living with your parents
- Financially independent/not claimed as a tax dependent
Can I stay on my parents' health insurance after I turn 26?
No, not in most states. There are a few states offering extensions beyond age 26 with certain limitations. For example, in New Jersey, you may remain on your parents' policy until age 31 if you're unmarried and have no dependents. Learn more about age exceptions to dependent coverage in your state and how the Affordable Care Act applies.
How long do you have to get health insurance after you turn 26?
Aging out of your parents' plan means you're eligible to enroll in a new health insurance policy. If you were covered through your parents' employer, your window to find a new plan lasts until the end of your birthday month. If your parents purchased a marketplace health plan, your coverage extends until the end of the calendar year (your new plan should be in place by December 15 in order to be covered on January 1).
Do you need health insurance if you're young and healthy?
Health insurance is essential for all, no matter your age or well-being. Accidents and illnesses can happen without warning, and expenses from medical emergencies can be overwhelming. Additionally, health plans can cover pregnancies, pre-existing conditions, lab work, rehab costs, mental health services, and more.
Common health insurance options for 26-year-olds
Coming off your parents' plan, you'll have several choices available for health insurance:
- Employer provided: Many companies offer health insurance for full-time employees and the premiums are deducted directly from your paycheck.
- College/university provided: Your school may offer health insurance for full-time students. This can be the most affordable option and sometimes there’s no cost at all.
- Health exchanges: Individual and family plans are offered through government-regulated marketplaces. Depending on your income, you may qualify for a subsidy.
- Medicaid/CHIP: If your income is below the federal poverty level, these programs are available through your state's health insurance marketplace.
- COBRA: Often at a higher cost, COBRA plans allow you to stay insured under your parents' group coverage for up to 36 months.
Quote online and Progressive can help you easily compare health insurance coverages and plans.
How long can I stay on my parents' car insurance?
There are no age limits when it comes to staying on your parents' auto policy. You're eligible to share an auto policy with your parents as long as your vehicle is kept overnight at your parents' address. If you live at a different address than your parents, then you need your own policy — assuming your vehicle is parked at your residence.
Can I stay on my parents’ car insurance if I move out?
It's important to remember that car insurance is dependent on where the vehicle is "garaged" or parked overnight. If you move away from your parents, and your vehicle goes with you, then you need your own auto policy. However, if you drive one or more of your parents' cars, they should keep you listed as a driver on their policy even if you don't live with them. You could conceivably be listed on multiple auto policies if you drive multiple vehicles at different addresses.
Can I be on my parents' car insurance if the car is in my name?
This is a bit more complicated. In some states, the name on the vehicle registration must match the name on the auto insurance policy. You're required to have your own auto policy when you register a vehicle in a state with this type of law. However, in most states, the car's registered owner doesn't have to match the name on the insurance policy. That means a car in your name can be insured on your parent's policy if the vehicle stays at your parents' address.
Can I be on my parents' car insurance if I live in a different state?
If you move out of state, and your vehicle is coming with you, then you need a new auto policy for your new state. There’s an exception for college students. Most states permit you to stay on your parents' policy while you attend an out-of-state college or university, even if you have a car on campus. Some states will require you to purchase your own policy, depending on the ZIP code where your car is kept, while you're a student. If you're living off-campus year-round and your residence is separate from your parents, then you need your own auto policy.
Can I drive my parent’s car without being on their insurance?
If you regularly operate your parents' vehicle, you should be listed as a driver on their policy — even if you live at a different address. Should you borrow their car in an emergency or on a one-time basis with their permission, their insurance company could cover the vehicle for any damages you cause. It usually depends on the scenario, amount of damage, and the policy's coverage limits.