26 and Uninsured: 5 Options After You Age Out Your Parents’ Plan

Birthdays often mark major milestones: Driver’s license at 16, voter registration at 18… 

…and getting kicked off of your parents’ health insurance at 26. 

Prior to blowing out your 26 candles, health insurance was probably not top-of-mind. That may be because your parents’ coverage probably made things easy. 

It’s time to take charge of your health and declare your independence! It’s important to have health and dental insurance, even if you don’t get sick very often. 

It’s time to birthday shop for some options:

 1. COBRA

Some health plans offer COBRA continuation coverage, which allows 18-36 months of coverage after you age out of your parents’ plan. Learn if you’re eligible.

2. Employee Health Benefits 

If your job offers health insurance, you’ll likely have 30-60 days to enroll after you lose your parents’ benefits, even if it’s not during an open enrollment period.

If your parents’ plan included dental coverage, but your current job doesn’t, look into getting your own individual plan. 

3. Private Health Plans

 Individual benefit plans may not be as expensive as you think. Price out your options and develop a savings plan. You may have to make some tough choices, but you’ll stay covered and healthy.

4. Government Health Plans

You may qualify for state-funded programs, such as Medicare and Medicaid. Browse the health insurance exchange to find a plan for your needs and budget.

5. Catastrophic Plans

We know, we know. You’re in your mid 20s – you rarely get sick! But that doesn’t mean life is accident-free. Adults under 30 can enroll in a catastrophic health insurance plan that covers worst-case scenarios. 

As an emerging adult, insurance might seem like just another bill to pay. But the cost is too high not to have it. 

You have your whole life ahead of you – get covered today!