Turning 26? Know Your Insurance Options

The age of 26 marks a shift in health insurance for many young adults as they age out of their parents’ coverage. There are several options available to help you stay insured, including employer-sponsored plans, ACA Marketplace coverage, Medicaid, and COBRA continuation.

How Insurance Changes When You Turn 26

Under the Affordable Care Act (ACA), young adults can remain on their parent’s health insurance plan until age 26. Once you reach this age, your coverage typically ends, though it may end on one of three dates:


  • Your 26th birthday
  • The last day of your birth month
  • The last day of your plan year


It’s essential to understand when your coverage will end so you can prepare to enroll in a new plan before you lose your current one.

Important Deadlines & Enrollment Periods

If you're turning 26 and aging off a parent’s health plan, you have a few opportunities to get your own coverage:



  • Special Enrollment Period (SEP): Starts 60 days before and ends 60 days after your 26th birthday

  • Open Enrollment Period: The standard yearly enrollment window, November 1 to December 15 in most states

  • Employer Enrollment Periods: Check with your employer for specific dates if you’re eligible for workplace coverage

Health Insurance Options After Turning 26

Employer-Sponsored Health Insurance


If your job offers health insurance, it’s often the most cost-effective option. Employers typically pay a portion of your monthly premium, and plans may also include dental, vision, or wellness benefits. If you're starting a new job, your coverage may begin after a short waiting period, usually 30 to 90 days.


ACA Marketplace Plans


Marketplace plans are available at HealthCare.gov or your state’s exchange. These plans cover essential health benefits and cannot deny coverage due to pre-existing conditions.


You may qualify for financial assistance based on your income, and we can help you determine your eligibility.

Medicaid


If your income is limited, you may qualify for free or low-cost health insurance through Medicaid. In many states, you can qualify if you're a single adult with income below a certain threshold, even if you’re working. You can apply for Medicaid anytime during the year.


COBRA Continuation Coverage



COBRA lets you temporarily stay on your parent’s employer-sponsored plan for up to 36 months. However, you’ll be responsible for the full monthly premium, which can be expensive. This option is usually a last resort when other plans aren’t available or if you need to continue seeing specific doctors.