Health Insurance for Twentysomethings

If you’re younger than 26, staying on a parent’s policy is likely to be the best deal. But you could save money by buying a policy on a new exchange in January.

My daughter graduated from college last month, and I’ve kept her on my health insurance because she doesn’t have a job with benefits. Is that the least-expensive way to buy her health coverage? Will those rules change next year?

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.