As a child, you were able to use your parents’ health and dental insurance anytime you needed medical care, and you’re able to continue using your parents’ health insurance until you turn 26 years old.
But what happens after you turn 26? If you’re wondering, can I stay on my parents’ insurance over 26 years of age, you’re not alone. Here’s what you need to know.
You’ll Become Ineligible at 26
In most instances, you’ll no longer be eligible to stay on your parents’ health insurance policy after you turn 26 years old. That said, some insurance companies offer what can be called a health-insurance-at-26 grace period. This grace period allows you to stay on your parents’ insurance plan until the end of your birth month.
Your parents will need to contact their insurance provider to find out when your coverage period ends.
What You Need to Do After Losing Coverage
Investing in health insurance is a simple way to protect yourself from overly high medical bills. Once you turn 26, you’ll enter into a special enrollment period. During this time, you’re able to enroll in health insurance coverage that you purchase on your own.
If your employer offers health insurance plans, it’s a good idea to look at those coverage options. If you’re not employed, or your employer doesn’t provide health insurance that you can afford, you’ll need to look for a policy that you can buy on your own.
Work with an Experienced Insurance Agent
The best way to navigate health insurance for 26-year-olds is to work with an experienced health insurance agent. They’ll help you compare plan options and can explain what you’ll want to look for in a policy.
Get Help Today
If you’re tired of asking can I stay on my parents’ insurance over 26 years of age, be proactive. Contact us to learn more about the different types of policies you have access to or to request quotes for comprehensive health and dental insurance in California.