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patient education

People Under 30: How to Get or Stay on a Parent’s Plan

key information

source: HealthCare.gov

summary/abstract:

If a parent’s health insurance plan covers dependents, you usually can be added to their plan and stay on it until you turn 26.

How to Get Added to a Parent’s Insurance Plan

Job-based plans: Your parent can add you to their insurance during the plan’s yearly Open Enrollment Period or during a Special Enrollment Period. Your parent should check with the plan or their employer’s benefits department for details.

Plans bought through the Health Insurance Marketplace: When a parent applies for a new plan in the Marketplace, they can include you on their application. They can add you to an existing Marketplace plan only during the yearly Open Enrollment Period or a Special Enrollment Period.

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