Simple Guide To Knowing Your Options Now That You are 26.
NAVIGATING HEALTHCARE MADE EASY
No Cost Consultation
Understanding all the options for healthcare insurance can be confusing. Sandy will answer your questions and clarify the insurance options you have. Sandy likes to keep it simple and make it easy for you to understand. The consultation is free of charge to you and your loved ones.
Discovery Discussion You Decide
With a few simple questions, Sandy can help compare healthcare insurance plans to determine where you are financially exposed or if the plan you have is the proper fit for your situation.
Partnering with you through the Process
Sandy has a strong commitment to be knowledgeable from start to finish. She helps make the process easy from healthcare insurance enrollment to choosing and signing up for the right plan that works for you and your loved ones.
You Turned 26 Now What?
Enroll In Your Employer's Group Plan
Enroll – If you have the option of enrolling in your employer’s group health policy, you can do that at any time — hopefully well before you turn 26 to get comprehensive coverage at a relatively good price.
No Employer Coverage – If you don’t have coverage through your job when you turn 26, you may only have until the end of the month to enroll in a new plan to maintain continuous coverage, depending on the terms of your parent’s group policy.
Purchase a Plan on The Exchange/Marketplace/ACA – if you purchase an Affordable Care Act (ACA) plan or a plan at work, you must drop off your parents’ plan before your new coverage can begin.
What If You Have No Coverage
Government Care Options – Do you qualify for Medicaid?
Join a Short-Term Medical Plan. Short-term medical plans can cover a minimum of 30 days, up to 364 days, and up to three years in a few states. These are limited-duration plans and typically set monthly costs based on age and health conditions.
Short-term medical insurance doesn’t cover as much as ACA plans; they also don’t cover preexisting conditions, including maternity.
Get Coverage from an Insurance Company – Contact any health insurance provider to inquire about your healthcare plan options.
Work With Us
Choose an Independent Broker (no cost to you) to help you understand:
- Your options, especially the pros and cons of short term plans
- Coverage Options
- Ancillary Products
- Plans Available In Your Area
Enroll In A Plan
Work With Your Independent Broker (no cost to you):
- Confirm your coverage and plan choices
- Complete Application & Enrollment
Celebrate 26
- You’ve done the hard work
- Your’ve made the decisions
- You’re ready to celebrate your 26th birthday with peace of mind!
- Than you for letting me be a part of your journey
Want to Know More? Book a FREE consultation
FAQs
The exact time your parent’s plan stops covering you will depend on how they get their health insurance.
Do your parents have coverage through the Affordable Care Act’s government-run (Obamacare) Marketplace, or does a private employer plan at work cover them. This could impact the date of your coverage and when it ends.
You have until December 31 of the year you turn 26 to sign up for your own health insurance plan. However, don’t wait until the last minute. You must enroll in your Marketplace plan by December 15 to get coverage that begins on the first of the year.
Your coverage under your parent’s employer-sponsored health insurance plan will end on the last day of the month that you turn 26. For example, if your birthday is April 20, your coverage will end on April 30.
You may have the option of applying for a health insurance rider to remain on their parent’s plan beyond age 26 in seven states: Florida, Illinois, New Jersey, New York, Pennsylvania, South Dakota and Wisconsin.
If you live in New York, for instance, you can apply to stay on your parent’s plan until you turn 30.
State-specific information about health insurance riders can be found here.
In general, you can qualify for a rider so long as you’re under 29, unmarried, and do not have access to health insurance through your employer.
You can buy an Obamacare plan before you turn 26, for example, if your parents choose not to allow you to enroll in their coverage. The ACA also offers inexpensive but only bare catastrophic coverage for people under 30 seeking health insurance independently.
Fortunately, there are several resources for people between the ages of 18 and 25 to get health insurance. It will only take a little extra research to find many options
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