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How do I get back on my parents' health coverage?

ANSWER

To get started, contact your parents' insurance company to make sure it offers coverage for dependents. If it does, then the insurance plan has to accept you until you're 26. You're eligible even if you live away from home or you're married.

Next, find out when you can enroll. You may have to wait for the open enrollment period (generally November to January).

Keep in mind that going on your parents' insurance won't be free. If the plan only covers your parent -- or a parent and spouse -- expect the monthly insurance cost to go up when you join.

SOURCES:

American Public Health Association: "Why do we need the Affordable Care Act?" and "Medicaid expansion."

HealthCare.gov, "Young adult coverage;" "Medicaid;" "Health savings account (HSA);" "Flexible spending account (FSA);" "Tax Credits in 2014;" "Co-insurance;" and "Co-payment."

U.S. Department of Labor: "Young adults and the Affordable Care Act: Protecting young adults and eliminating burdens on families and businesses."

Families USA: "The young person's guide to health insurance for graduating seniors."

Henry J. Kaiser Foundation: "Explaining health care reform: Questions about health insurance subsidies" and "The requirement to buy coverage under the Affordable Care Act beginning in 2014."

U.S. Department of Health and Human Services: "2013 poverty guidelines" and "Health care law protects consumers against worst insurance practices."

Health Insurance 101: "Federal Subsides: Helping People Afford Health Care;" "Standardizing Health Plans;" and "What are high-deductible plans paired with a savings account?"

Caldwell, N. , Feb. 27, 2013; vol 8. PLoS One

Medicare.gov: "Medicare savings programs."

Reviewed by Sarah Goodell on November 08, 2018

SOURCES:

American Public Health Association: "Why do we need the Affordable Care Act?" and "Medicaid expansion."

HealthCare.gov, "Young adult coverage;" "Medicaid;" "Health savings account (HSA);" "Flexible spending account (FSA);" "Tax Credits in 2014;" "Co-insurance;" and "Co-payment."

U.S. Department of Labor: "Young adults and the Affordable Care Act: Protecting young adults and eliminating burdens on families and businesses."

Families USA: "The young person's guide to health insurance for graduating seniors."

Henry J. Kaiser Foundation: "Explaining health care reform: Questions about health insurance subsidies" and "The requirement to buy coverage under the Affordable Care Act beginning in 2014."

U.S. Department of Health and Human Services: "2013 poverty guidelines" and "Health care law protects consumers against worst insurance practices."

Health Insurance 101: "Federal Subsides: Helping People Afford Health Care;" "Standardizing Health Plans;" and "What are high-deductible plans paired with a savings account?"

Caldwell, N. , Feb. 27, 2013; vol 8. PLoS One

Medicare.gov: "Medicare savings programs."

Reviewed by Sarah Goodell on November 08, 2018

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Who is eligible to get tax credits and other health insurance?

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THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

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