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  2. Eligibility For COBRA
  3. COBRA For Dependents At Age 26

My Child Turned 26 And Can No Longer Be On My Work Insurance.  Can They Get COBRA?

My child is coming off of my insurance, what do I do now?

The Affordable Care Act, also known as Obamacare, allows young adults to remain on their parents’ health insurance plan until they turn 26 years old. This applies to both group health insurance plans and individual health insurance plans purchased through the ACA Marketplace. However, on an adult child’s 26th birthday, many employer-based group health plans will need to remove the dependent from the plan, which creates a qualifying event for obtaining new health insurance.

One option for young adults is COBRA continuation of their parents’ work health coverage.

If you do not have pre-existing health conditions, you can visit the health enrollment center to find temporary health insurance plans that offer significant savings of up to 70% off an employer’s COBRA coverage.

How To Get COBRA When You Turn 26

If you have a pre-existing medical condition and are turning 26, you may be eligible to enroll in COBRA coverage through your parent’s employer. To do this, you should contact the human resources department at your parent’s workplace and request COBRA enrollment paperwork. This will allow you to continue on the same health plan as your parent. You will have 60 days from the time you become eligible to enroll in COBRA coverage. It is critical to remember that COBRA continuation of health insurance will no longer be subsidized by the company. When continuing health insurance through COBRA, the entire payment must be paid, and a 2% administration fee may apply.

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We are a private insurance company that provides information on the COBRA law and alternative temporary insurance options if continuation is unavailable or too expensive.

Special Open Enrollment Period When An Adult Child Turns 26 And Needs Health Insurance

The loss of dependent coverage will qualify you for a special enrollment period where you may obtain new health coverage.  Enrolling in a new insurance plan as soon as possible is important to avoid any gaps in coverage.

If you don’t qualify for Medicaid. Here are four ways to get health care insurance when you lose coverage under your parents’ plan:

Check Your Eligibility For COBRA Coverage

If you are age 26, you may be eligible for COBRA coverage, which allows you to continue your parents’ insurance for 36 months after you are no longer eligible.

COBRA Eligibility

Look Into Short-Term Health Insurance Options

A temporary medical plan can offer coverage for unexpected illnesses and accidents if you are not eligible for COBRA or other forms of healthcare coverage. These plans usually have strict terms, such as a maximum duration, so it’s vital to understand them before deciding whether they will meet your needs.

Enroll In A Work Health Plan

Inquire with your company’s human resources department about their insurance coverage. If you are enrolling in your employer-sponsored plan, make sure you meet any enrollment deadlines.

Find An Individual Marketplace Plan

Your qualifying event will allow you to shop the health insurance marketplace to enroll in an ACA certified insurance plan. These plans are similar to the type of insurance you would get at work.

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