So many people reached out to us looking for financial planning help for their health insurance needs that we started our own matching service to help you find a plan. While you can wait until the 60-day period after your 26th birthday to apply for health insurance, it’s best to begin researching and comparing plans as early as possible.ĭeciding between an HMO plan, a PPO health plan and a POS plan may seem impossible if you haven’t assessed your needs or weighed the pros and cons of the insurance policies that are available to you. Want to find a plan on your own?Ĭhoosing a healthcare plan may take time. We are paid a referral fee by the insurance companies after you sign up. We will look up all the plans and costs and email you with the plan that is the right fit.Īnd the best part, we do this at no cost to you. That’s a promise! Complete this form to get an email with your best options. We will just research the plans for you and then email you the results.

We will not spam you or sell your phone number or information. Now, let’s talk about the easy way! It’s simple, and did I mention … EASY!? Just take 2 minutes to fill out the short form below and we will do the rest. Scroll to the bottom of this page to learn more about COBRA coverage. If your parent works for a company with fewer than 21 employees you are not eligible for COBRA and will need to purchase your own health insurance. To be eligible for COBRA coverage, you’ll have to submit a written request to your parent’s boss.

Through the Consolidated Omnibus Budget Reconciliation Act (COBRA), you may be able to retain coverage under your parent’s healthcare plan for up to 36 months after turning 26. You could also ask whether you qualify for COBRA coverage under your parent’s plan. You can speak to someone in the human resources department at your job about enrolling in a healthcare plan provided by your employer. When you turn 26, you have several options. Others let you stay on their plans until the end of the year.Įither way, to be safe you should get your own insurance plan to start on the 1st of the month when you turn 26. Some plans allow you to stay on their plan until the end of the month following you 26th birthday. Iĭepending on the kind of healthcare coverage your parents have, you may lose coverage immediately on the day you turn 26. Under the Obamacare laws you can stay on your parent’s healthcare plan until you turn 26, regardless of whether you live with them. You’re no longer covered by your parent’s insurance after you turn 26. Not sure what to do to get health insurance? We’ll make it easy for you, keep reading.

Iturn 26 in december