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Aging off your parents’ plan

Turning 26 means picking your own plan.

Your parents’ coverage ends. We’ll help you find a plan that fits your budget and starts the day you need it.

What this means for you

The turning-26 shortlist.

  • Your parents' coverage ends the last day of the month you turn 26 (some plans, the end of the year).
  • Aging off triggers a 60-day Special Enrollment Period to pick your own plan.
  • Most 26-year-olds qualify for ACA subsidies that drop premiums under $100 a month.
  • Coverage can start the 1st of the month after your parents' plan ends, with no gap.

How we help

What working with Plansure looks like.

We run the subsidy math on your actual income.

Subsidies are based on what you'll earn next year, not last year. We project conservatively so you don't owe credit back at tax time.

We check that your doctor stays.

If you've been seeing the same primary care doctor since high school, we check that they're in-network on the plan you pick.

We're the same broker if your job changes.

First job out of college doesn't always come with benefits. We stay your broker so you've got someone to call if anything changes.

Or call a broker at (817) 632-5155

Get your first plan dialed in.

Drop your info and a Plansure broker compares your options with you.

By submitting, you consent to be contacted by a Plansure licensed broker at the phone number provided. This consent is not a condition of purchase. Standard message and data rates may apply.

Common questions

Questions most clients ask.

When does my coverage actually end?
On most plans, the last day of the month you turn 26. A few employer plans extend to the end of the calendar year. Check the SBC (Summary of Benefits and Coverage) on your parents' plan, or call the carrier directly.
Can I stay on my parents' plan longer?
Federal rules say no, but some states extend dependent coverage to age 28 or 29 under specific conditions (full-time student, unmarried, no other coverage). Most don't. We'll check your state.
What about my employer's plan if I just got hired?
If you have a real employer plan available, we'll compare it side-by-side with a marketplace plan and tell you which is better. Sometimes the employer plan wins. Sometimes the marketplace plan + subsidy wins by a lot.