If you are under the age of 26, you can continue to participate in your parents’ health insurance even if your employer offers a separate health plan. It doesn’t matter if you’re married, living away from your parents, being financially independent, or going to school.
When the coverage ends
Insurance programs that provide coverage to dependents are required to provide coverage to dependents until they turn 26. The day you turn that age, you lose your insurance. However, the loss of health insurance is considered a life event, meaning you’ll have 30 days to enroll in your employer’s health care program even if it’s not enrollment season. You are also eligible for a Special Enrollment Period to purchase coverage through the Health Insurance Marketplace. As of March 2015, that term is 60 days. However, if you don’t sign up at that time, you may be in luck until the next Open Subscription.