{"id":402,"date":"2026-10-09T22:52:21","date_gmt":"2026-10-09T22:52:21","guid":{"rendered":"https:\/\/www.coveragefox.com\/knowledge-center\/?p=402"},"modified":"2026-10-09T22:54:40","modified_gmt":"2026-10-09T22:54:40","slug":"turning-26-guide","status":"publish","type":"post","link":"https:\/\/www.coveragefox.com\/knowledge-center\/turning-26-guide\/","title":{"rendered":"Turning 26? Here\u2019s What to Do About Health Insurance"},"content":{"rendered":"\n<div class=\"c-section c-section--not-top-padding  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_f02455ee166f227bdf8914de8bed40df\">\n                                      <p>Turning 26 is a major health insurance transition for many young adults because you may no longer be eligible to stay on a parent\u2019s plan.<\/p>\n<p>The exact date your coverage ends depends on the type of plan you have. Confirm that deadline first, then compare employer coverage, Affordable Care Act (ACA) Marketplace plans, and other options early enough to avoid an uninsured gap.<\/p>\n<p>In this guide, you\u2019ll learn:<\/p>\n                   <\/div>\n\n\n\n<ul class=\"c-list-check\">\n                        <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>When coverage under a parent\u2019s plan may end<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>How Special Enrollment Periods work<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Which health insurance options you can consider at 26<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>How to compare premiums, deductibles, and provider networks<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>What to do before your current coverage expires<\/p>\n            <\/div>\n        <\/li>\n\n        \n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_f5a144004735809f8333fc0273a265db\">\n                            <h2 >Why Turning 26 Changes Your Health Insurance<\/h2>                                      <p>Under the Affordable Care Act (ACA), young adults can generally remain on a parent\u2019s health insurance plan until age 26, even if they\u2019re married, no longer live with their parents, or aren\u2019t financially dependent on them. If you\u2019re comparing coverage for the first time, Coverage Fox\u2019s <a href=\"https:\/\/www.coveragefox.com\/knowledge-center\/young-adult-health-insurance\/\">health insurance guide for young adults<\/a> explains basic plan types, costs, and enrollment considerations.<\/p>\n<p>The important part is that not every plan ends dependent coverage on the same date. If you\u2019re covered through a parent\u2019s employer, check with the plan administrator or benefits department to confirm exactly when your eligibility ends. Some plans or states may allow coverage beyond age 26.<\/p>\n<p>If you\u2019re covered through a parent\u2019s Marketplace plan, HealthCare.gov says you can generally remain on that plan through December 31 of the year you turn 26, unless your state allows dependent coverage beyond that age.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_8f8cbacd76afb4e508292028cbdd20b8\">\n                            <h2 >When Does Your Parent&#8217;s Health Insurance End?<\/h2>                                      <h3>If You Are on a Parent&#8217;s Employer-Sponsored Plan<\/h3>\n<p>Employer-sponsored plans generally allow dependent coverage until age 26, but the precise termination date can vary by plan.<\/p>\n<p>Don\u2019t assume your insurance will necessarily end at midnight on your 26th birthday or automatically continue through the end of that month.<\/p>\n<p>Instead, contact your parent\u2019s human resources (HR) department or health plan and ask:<\/p>\n                   <\/div>\n\n\n\n<ul class=\"c-list-check\">\n                        <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>What is my final day of coverage?<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Will I receive a written loss of coverage notice?<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Am I eligible for COBRA continuation coverage?<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>What documents should I keep for Special Enrollment?<\/p>\n            <\/div>\n        <\/li>\n\n        \n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_928982b0de6916c3192e440b3268a1fb\">\n                                      <h3>If You Are on a Parent&#8217;s Marketplace Plan<\/h3>\n<p>If you\u2019re enrolled in a parent\u2019s Marketplace plan, you can generally remain covered through December 31 of the year when you turn 26.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_7a035f65a36454ebc18da259415c7302\">\n                            <h2 >How Special Enrollment Works When You Turn 26<\/h2>                                      <p>A Special Enrollment Period (SEP) lets you enroll in certain health insurance coverage outside the regular Open Enrollment Period after a qualifying life event.<\/p>\n<p>Losing eligibility for a parent\u2019s health plan because you turn 26 can be a qualifying life event. Coverage Fox explains other situations that may qualify in its guide to <a href=\"https:\/\/www.coveragefox.com\/knowledge-center\/qualifying-life-event-insurance\/\">qualifying life events for health insurance<\/a>.<\/p>\n<h3>Marketplace Special Enrollment<\/h3>\n<p>For Marketplace coverage, losing qualifying health insurance generally gives you a Special Enrollment Period that begins up to 60 days before your current coverage ends and continues for 60 days afterward.<\/p>\n<p>You can also review Coverage Fox\u2019s <a href=\"https:\/\/www.coveragefox.com\/special-enrollment\/\">Special Enrollment<\/a> information to understand your options and enrollment timing.<\/p>\n<h3>Employer Special Enrollment<\/h3>\n<p>If your own employer offers health insurance, or you\u2019re eligible to join a spouse\u2019s employer plan, the timing can be different.<\/p>\n<p>Federal rules generally require eligible employer-sponsored plans to provide at least 30 days after a qualifying loss of other coverage to request special enrollment. Contact the benefits department promptly to confirm your plan&#8217;s deadline and effective date.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_bf57fdb5bdae9c0ec007965f114538c8\">\n                            <h2 >Health Insurance Options After You Turn 26<\/h2>                                      <p>There isn\u2019t one plan that works for everyone after leaving a parent\u2019s coverage. The right fit depends on employment, income, household situation, medical needs, and budget.<\/p>\n<h3><strong>1. Your Own Employer&#8217;s Health Plan<\/strong><\/h3>\n<p>If your job offers health insurance, include that option in your comparison.<\/p>\n<p>Employers may contribute toward the monthly premium, which can reduce the amount employees pay for coverage.<\/p>\n<p>Ask HR about:<\/p>\n                   <\/div>\n\n\n\n<ul class=\"c-list-check\">\n                        <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Monthly premiums<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Deductibles and copays<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Provider networks<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Prescription coverage<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Your Special Enrollment deadline<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>When the new policy will become effective<\/p>\n            <\/div>\n        <\/li>\n\n        \n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_67a86bf8152ff0777da1bb4866072795\">\n                                      <h3><strong>2. A Spouse&#8217;s Employer Plan<\/strong><\/h3>\n<p>If you\u2019re married and your spouse receives health insurance through work, you may be able to join that plan after losing your parent\u2019s coverage.<\/p>\n<p>Compare the cost and benefits of your spouse\u2019s plan with other options rather than assuming it will automatically be cheaper.<\/p>\n<h3><strong>3. An ACA Marketplace Plan<\/strong><\/h3>\n<p>Marketplace plans can be an option if you don\u2019t have access to employer-sponsored coverage or want to compare available individual plans.<\/p>\n<p>You can compare <a href=\"https:\/\/www.coveragefox.com\/individual-health-insurance\/\">individual health insurance<\/a> options based on premiums, deductibles, copays, provider networks, prescription coverage, and other plan features.<\/p>\n<p>Depending on your income, household size, tax-filing situation, access to other qualifying coverage, and other eligibility rules, you may also qualify for premium tax credits or other financial assistance.<\/p>\n<h3><strong>4. Medicaid<\/strong><\/h3>\n<p>Eligibility varies by state and may depend on income, household composition, pregnancy, disability, and other factors. In states that expanded Medicaid, some adults can qualify based primarily on income.<\/p>\n<p>Unlike Marketplace Open Enrollment, you can generally apply for Medicaid at any time during the year.<\/p>\n<h3><strong>5. COBRA Continuation Coverage<\/strong><\/h3>\n<p>If you age out of a parent\u2019s employer-sponsored plan, the Consolidated Omnibus Budget Reconciliation Act (COBRA) may allow you to temporarily keep the same group\u2019s health coverage.<\/p>\n<p>For plans subject to federal COBRA, losing dependent status can qualify you for up to 36 months of continuation coverage. Federal COBRA generally applies to group health plans sponsored by employers with 20 or more employees, while smaller employers may be subject to state continuation rules.<\/p>\n<p>The biggest drawback is often the cost. Under COBRA, you may have to pay the full premium yourself. Still, it may be worth comparing if keeping the same doctors, treatment plan, or benefits is important to you.<\/p>\n<h3><strong>6. Catastrophic Health Plans<\/strong><\/h3>\n<p>Because you\u2019re still under 30 when you turn 26, you may be eligible for a Catastrophic Marketplace plan if one is available in your area.<\/p>\n<p>Catastrophic plans generally have lower monthly premiums and high deductibles. They cover the ACA\u2019s essential health benefits, preventive care, and at least three primary care visits before the deductible is met.<\/p>\n<p>Premium tax credits can\u2019t be applied to Catastrophic plans. If you qualify for Marketplace savings, compare your available Bronze and Silver plans with Catastrophic coverage before deciding.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_e0b2b7e15ee6932837b636cbf33d73f6\">\n                            <h2 >What About Short-Term Health Insurance?<\/h2>                                      <p>Short-term health insurance isn\u2019t the same as an ACA-compliant Marketplace plan and doesn\u2019t include all the same federal consumer protections. Coverage Fox\u2019s comparison of <a href=\"https:\/\/www.coveragefox.com\/knowledge-center\/aca-vs-private-health-insurance-whats-the-difference\/\">ACA vs. private health insurance<\/a> can help explain differences between coverage options.<\/p>\n<p>Availability and rules vary by state, and short-term policies may have limitations involving covered benefits, preexisting conditions, prescriptions, or other medical services.<\/p>\n<p>If you\u2019re considering temporary coverage, read the exclusions and policy terms carefully. A lower premium can be appealing, but coverage limitations can significantly affect what you pay when you need care.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_61bc4c8416a7ce726315c1d3e4a58448\">\n                            <h2 >How to Enroll in a Marketplace Plan After Turning 26<\/h2>                                      <p>Coverage Fox\u2019s <a href=\"https:\/\/www.coveragefox.com\/plan-comparison-overview\/\">health insurance plan comparison<\/a> can help you review options based on your location and household information, including premiums, deductibles, copays, coinsurance, and annual out-of-pocket maximums.<\/p>\n<p>A typical process looks like this:<\/p>\n<ol>\n<li>Enter your ZIP code and household information.<\/li>\n<li>Review the health plans available in your area.<\/li>\n<li>Compare monthly premiums with deductibles and other out-of-pocket costs.<\/li>\n<li>Check whether your doctors and prescriptions are covered.<\/li>\n<li>Review whether you qualify for financial assistance.<\/li>\n<li>Select a plan and complete enrollment before your Special Enrollment Period ends.<\/li>\n<\/ol>\n<p>If you qualify for a premium tax credit, that assistance can lower the monthly amount you pay for eligible Marketplace coverage.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_2d4e95a0ee9a5999e25c164bd4546afc\">\n                            <h2 >How to Choose the Right Health Plan at 26<\/h2>                                      <p>At 26, it can be tempting to choose whichever option has the lowest monthly premium. But the premium is only one part of your potential health care costs.<\/p>\n<h3>Compare Monthly Premiums With Total Costs<\/h3>\n<p>Along with the premium, review the:<\/p>\n                   <\/div>\n\n\n\n<ul class=\"c-list-check\">\n                        <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Deductible<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Copays<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Coinsurance<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Out-of-pocket maximum<\/p>\n            <\/div>\n        <\/li>\n\n        \n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"320\" src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/10\/turning-26-guide-2.png\" alt=\"Young adult discussing health coverage with a doctor, representing Coverage Fox health insurance when turning 26.\" class=\"wp-image-393\" srcset=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/10\/turning-26-guide-2.png 720w, https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/10\/turning-26-guide-2-300x133.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n<\/div>\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_8418cad2e810d263508a667caccdfd0d\">\n                                      <p>The out-of-pocket maximum deserves particular attention because it limits what you may have to pay during the year for covered in-network services, subject to the plan\u2019s rules.<\/p>\n<p>If you rarely use medical care, you may be comfortable with a lower-premium plan that has higher cost-sharing. If you regularly see specialists, take prescriptions, or expect significant care, a higher-premium plan with lower out-of-pocket costs may fit your needs better.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_ce1058ff9beea78e4f0a75fda3647763\">\n                                      <h3><strong>Check Your Doctors and Provider Network<\/strong><\/h3>\n<p>If keeping your current doctor is important, verify that the provider participates in the specific plan you\u2019re considering.<\/p>\n<p>Don\u2019t assume that because an insurance company lists a doctor in one network, that doctor participates in every plan offered by the company.<\/p>\n<p>Plan types also work differently. Health maintenance organization (HMO) plans generally emphasize in-network care and may require referrals for certain specialists. Preferred provider organization (PPO) plans typically offer more flexibility for out-of-network care, often at a higher cost. Exclusive provider organization (EPO) plans generally restrict non-emergency coverage to in-network providers.<\/p>\n<h3><strong>Review Prescription Drug Coverage<\/strong><\/h3>\n<p>If you take medication regularly, review the plan\u2019s formulary before enrolling.<\/p>\n<p>Check:<\/p>\n                   <\/div>\n\n\n\n<ul class=\"c-list-check\">\n                        <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Whether the medication is covered<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Which drug tier it falls into<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Your copay or coinsurance<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Whether prior authorization is required<\/p>\n            <\/div>\n        <\/li>\n\n                    <li class=\"c-list-check__item\">\n            <div class=\"s-cms-content\">\n            <p>Whether a specific pharmacy network applies<\/p>\n            <\/div>\n        <\/li>\n\n        \n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_3d52267da4785ef8531dce8e27592f35\">\n                                      <h3><strong>Compare Bronze, Silver, and Gold Plans<\/strong><\/h3>\n<p>Marketplace plans are divided into metal categories such as Bronze, Silver, and Gold. These categories don\u2019t indicate the quality of medical care. They generally reflect how costs are divided between you and the plan.<\/p>\n<p>Bronze plans tend to have lower premiums and higher out-of-pocket costs, while Gold plans generally have higher premiums and cover a larger share of costs when you use care.<\/p>\n<p>Silver plans are particularly important if you qualify for cost-sharing reductions because those additional savings are generally tied to eligible Silver Marketplace plans.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_df36c939f69bf121417c51c4eb04b2f0\">\n                            <h2 >Timeline for Getting Health Insurance Before You Turn 26<\/h2>                                      <p>Approaching your 26th birthday means it\u2019s time to plan for your health insurance transition. Knowing when your current coverage ends and what options are available can help you avoid a gap in coverage.<\/p>\n                   <\/div>\n\n\n\n<div class=\"o-component c-simple-table js-simple-table js-expandable-content\" id=\"acf-general-simple-table-block_93b9158f22f70ef258c63dbcfd316248\">\n    <div class=\"c-simple-table__indicator js-simple-table-indicator\">\n        Scroll for more \n        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/themes\/coveragefox\/assets\/images\/components\/simple-table\/icon-scroll.svg\" alt=\"\" aria-hidden=\"true\" width=\"30\" height=\"30\">\n    <\/div>\n    <div class=\"c-simple-table__content\">\n    <table class=\"c-simple-table__table\"><thead><tr><th>Timing<\/th><th>What to Do<\/th><\/tr><\/thead><tbody><tr><td>2 to 3 months before coverage ends<\/td><td>Confirm your exact final day of coverage with the insurer, HR department, or Marketplace plan.<\/td><\/tr><tr><td>Around 60 days before coverage ends<\/td><td>Start comparing Marketplace plans, employer coverage, a spouse&#8217;s plan, and other eligible options.<\/td><\/tr><tr><td>Before an employer SEP expires<\/td><td>Enroll promptly if you plan to join your own employer plan or a spouse&#8217;s job-based coverage.<\/td><\/tr><tr><td>Before your current plan ends<\/td><td>Confirm your new effective date, first premium payment, provider network, and prescription coverage.<\/td><\/tr><\/tbody><\/table>    <\/div>\n    <\/div>\n<div class=\"o-component s-cms-content\">\n    <p>The goal isn\u2019t simply to buy a policy before your birthday. It\u2019s to make sure your new coverage starts when your old coverage ends.<\/p>\n<\/div>\n\n\n        <div class=\"c-cta-widget\">\n            <div class=\"c-cta-widget__content\">\n                                    <h2 class=\"c-cta-widget__title\">Compare Your Health Insurance Options With Coverage Fox<\/h2>\n                                                    <div class=\"s-cms-content\">\n                        <p>Start by confirming exactly when your parent\u2019s plan ends. Then compare employer options, Marketplace coverage, Medicaid eligibility, COBRA, and other plans that may fit your circumstances.<\/p>\n<p>Coverage Fox can help you compare available health insurance plans, review premiums and out-of-pocket costs, and understand the differences between your options. Call <a href=\"tel:888-676-4710\">888-676-4710<\/a> to speak with a licensed agent or <a href=\"https:\/\/www.coveragefox.com\/plan-comparison-overview\/\">compare health insurance plans online<\/a> to explore coverage options that may fit your needs and budget.<\/p>\n                    <\/div>\n                                <div class=\"c-form-field c-form-field__wrapper\" id=\"cta-widget\"><\/div>\n            <\/div>\n            <picture class=\"c-cta-widget__pic\">\n              <source media=\"(min-width: 43.75em)\" \n              srcset=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/01\/Ima-family-lg.webp, \n              https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/01\/Ima-family-lg_2x-746x688.webp 2x\">\n              <img decoding=\"async\" class=\"c-cta-widget__img\" \n              src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/themes\/coveragefox\/assets\/images\/components\/hero\/ima-main-banner-lg.webp\" \n              srcset=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/01\/Ima-family-lg.webp 2x\" \n              alt=\"\" loading=\"lazy\" width=\"280\" height=\"266\">\n            <\/picture>\n        <\/div>\n        \n\n                        <\/div>\n            <\/div>\n<\/div>\n\n\n\n    <div class=\"c-section c-section--bg-white c-section--not-top-padding\" id=\"acf-general-faqs-block_936090823948a405f12259820e3d7a42\">\n        <div class=\" o-wrapper o-wrapper--small c-section__content\">\n        <div class=\"c-section-header\">\n            <div class=\"c-section-header__content\">\n                <h2 class=\"c-section-header__title c-section-header__title--medium c-section-header__title--centered\">Frequently Asked Questions About Health Insurance After Turning 26<\/h2>\n            <\/div>\n        <\/div>\n        <div class=\"c-faqs\">\n                                                <details class=\"c-faqs__details\" open>\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">Do I Lose My Health Insurance the Day I Turn 26?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>Not necessarily. The exact end date depends on the type of coverage you have.<\/p>\n<p>If you\u2019re covered through a parent\u2019s employer plan, ask the plan administrator or HR department when dependent coverage ends. If you\u2019re on a parent\u2019s Marketplace plan, you can generally remain covered through December 31 of the year you turn 26.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">How Long Do I Have to Get Health Insurance After Turning 26?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>For Marketplace coverage, losing qualifying coverage generally gives you a Special Enrollment Period that begins up to 60 days before the loss and continues for 60 days afterward.<\/p>\n<p>For employer-sponsored plans, federal special enrollment rules generally provide at least 30 days after losing other coverage to request enrollment. Check the specific deadline with the employer or plan.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">Can I Get Marketplace Subsidies After Leaving My Parent&#8217;s Plan?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>Possibly. Premium tax credit eligibility depends on factors such as your household income, household size, tax-filing situation, and access to other qualifying coverage.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">Can I Use COBRA After Turning 26?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>You may be eligible if you lose dependent status under a parent\u2019s employer-sponsored plan that is subject to federal COBRA.<\/p>\n<p>COBRA can allow continuation coverage for up to 36 months in this situation, although you may have to pay the full premium yourself. Employers with fewer than 20 employees may instead be subject to state continuation requirements.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">What Happens If I Miss My Special Enrollment Period?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>If you miss your Marketplace Special Enrollment Period, you may have to wait for the next Open Enrollment Period unless you experience another qualifying life event.<\/p>\n<p>Before assuming you have no options, check whether you qualify for Medicaid, an employer special enrollment opportunity, or another form of coverage available in your state.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <\/div>\n                \n        <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":14,"featured_media":392,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=402"}],"version-history":[{"count":2,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/402\/revisions"}],"predecessor-version":[{"id":413,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/402\/revisions\/413"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/media\/392"}],"wp:attachment":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}