Topic Area:  

  • When things change

At what age does a dependent need to purchase his or her own health plan?

A dependent child needs to purchase their own health insurance at age 26

Before 26, a dependent can stay on his or her parent's health insurance plan. This extension of coverage ends when the dependent turns 26.

When a dependent turns 26, they qualify for a 60-day special enrollment period and can sign up for their own insurance. After this 60-day period, a dependent may not be able to get coverage until the next open enrollment period. Depending on income, a dependent may be eligible for premium tax credits, making health insurance more affordable.

To learn more, visit: https://www.healthcare.gov/young-adults/.

Exception for children incapable of independent living

Some plans allow a child age 26 and older to remain on their parent's health insurance plan if they are incapable of independent living due to physical or mental disability. Proof of disability is typically required each year.

 New Hampshire Family Voices publishes a resource guide for families having children with special health care needs and disabilities. To access the resource guide, visit: http://nhfv.org/how-we-can-help/resources/

4/10/2018