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Health Coverage When You Turn 26

Here are insurance options for those no longer on their parents' plans.


When my daughter turns 26, can she get her own health coverage even if open enrollment is over? --V.S., Chicago

QUIZ: How Well Do You Know Obamacare?

Yes. Your daughter has up to 60 days after losing dependent coverage to buy an individual policy, even if open enrollment is over. She qualifies for a subsidy if she doesn’t have coverage through her employer, she’s single and earns less than $46,680, and she buys a policy through her state exchange (see for links). She can also get quotes for policies on and off the exchanges at If she goes without coverage for more than three months, she may have to pay a penalty in 2015 of 2% of her household income or $325, whichever is more.

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