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Which adult children are eligible to enroll in their parents’ health plan?

Adult children who are under age 26 are eligible to enroll in their parents' health plan, under the regulations of the Patient Protection and Affordable Care Act (PPACA). According to the government website www.healthcare.gov, adult children under age 26 can join and stay on their parents' health plan even if:
  • They are married.
  • They have or adopt a child.
  • They start or leave school.
  • They live outside of their parents' home (or in their home).
  • They are not claimed as a dependent on their parents' tax returns (and usually they would not be).
  • They have access to, but turn down, an offer of healthcare coverage from their own employer.
Once an adult child turns age 26 they will likely need to find their own health coverage. Usually the coverage will extend until the end of the month, or even until the end of the year, in which they turn 26. Young adults should familiarize themselves with the terms of their parents' coverage plan to make sure there are no gaps in their own health coverage.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.