2020’s Marketplace enrollment was from November 1st through December 15th in most states.Ī Special Enrollment Period is a period outside of the yearly Open Enrollment Period during which you can sign up for health insurance. Normally, you can only sign up for new health insurance during the Open Enrollment Period each year. When you do lose your insurance, you qualify for a Special Enrollment Period.Ĭompare Health Insurance Rates Instantly What’s the Special Enrollment Period? To be eligible for this extension of coverage in Wisconsin, you must be unmarried and have no health insurance offering through an employer. Wisconsin only extends until your 27th birthday. Pennsylvania has the most requirements to stay insured, which include being unmarried, a state resident, a full-time student and permission from the policyholder. Nebraska has the same requirements, but only covers until your 30th birthday. The requirements for this include being unmarried, a state resident and a full-time student. New Jersey offers a program that allows you to stay on until you are 31 years old. Florida will cover until an individual is 30 years old as well, as long as he/she is unmarried and has no dependent children. To be eligible, you must also be unmarried and not currently eligible for employer employer health coverage.įortunately, five other states offer programs that extend young adults’ coverage through their parents health insurance. To receive the extension, apply during the open enrollment period between the ages of 26 and 29 years old. New York state allows those under 30 years old to acquire a health insurance rider, which will extend their eligibility to stay on a parent's policy.

For example, according to, “If you’re on a parent’s Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).” How Can Which State You Live in Affect the Age You Lose Coverage?Įven though federal law dictates that you can remain on your parents’ insurance until your 26th birthday, some states have rules that extend your coverage. It is a good idea to check in with the employer or insurance carrier since some plans and states have differing rules. Generally, if your parents coverage is through a job-based plan, your insurance should end on your 26th birthday. Once you turn 26 years old, you lose your health insurance coverage through your parents’ health insurance and must enroll in your own health plan. Are eligible for health insurance through an employer.You can remain on your parent’s insurance even if you: law due to the Affordable Care Act (ACA), if your parents’ insurance plan covers dependents, you can stay on or be added to your parents’ insurance during Open Enrollment up until your 26th birthday.

Iturn 26 in december