How Long Can Kids Stay on Parents’ Insurance?

Health insurance policies can get tricky—here’s what you need to know about the options for any child under the age of 26.

Sending a child to college often means a mountain of paperwork for parents. Meal plans, class schedules, financial aid—it can get overwhelming. Health insurance policies are one thing you don’t have to worry about for your student just yet. Did you know that, under the Affordable Care Act, your children can stay on your health insurance policy until they turn 26?

Children qualify for this allowance even if they:

  • Are married
  • Have their own children
  • Have a job
  • Live independently
  • Aren’t claimed as a tax dependent

    InsuranceChild-Graphic2 (1)


Many families pursue this option, because family plans often cost less per person than individual plans or student health insurance plans offered by universities. Another tax-related benefit for your family is that for employed adult children under their parents’ plans, the value of any employer-provided health coverage is excluded from the employee’s income.

For more information on the policy, visit HealthCare.gov. Anyone who is reaching the age of 26 and is deciding on a health insurance policy can find more information here.