When It’s Time to Drop Your Parents’ Health Insurance

Thanks to the Affordable Care Act, the uninsured rate for twenty-somethings has plummeted.

Stethoscope on 100 dollar bills symbolizing financial surveillance
(Image credit: Getty Images)

One of the most popular provisions of the Affordable Care Act allows young adults to stay on their parents’ health insurance plan until they’re 26. I’ve been fortunate to have coverage through my parent’s insurance plan for several years, but I will soon switch to a Kiplinger plan.

Some insurers allow adult children to stay on their parents’ plan through the month of their 26th birthday, while others stop coverage on your birthday. Either way, if you’re covered by your parents’ plan, you should start looking for alternatives well before time runs out.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Emma Patch
Staff Writer, Kiplinger's Personal Finance

Emma Patch joined Kiplinger in 2020. She previously interned for Kiplinger's Retirement Report and before that, for a boutique investment firm in New York City. She served as editor-at-large and features editor for Middlebury College's student newspaper, The Campus. She specializes in travel, student debt and a number of other personal finance topics. Born in London, Emma grew up in Connecticut and now lives in Washington, D.C.