Turning 26

Don’t Let Aging Out Take You by Surprise

With CareConnect, children and young adults can remain covered under their parent’s health insurance plan until they turn 26 years old.  For young adults aging out of their parent’s plans, navigating the world of health insurance for the first time can be tricky—but we want to help make it a smooth and easy process!

Here are some common questions—answered:

When exactly does coverage terminate?

Coverage will terminate at the end of the month in which you turn 26 years old.  For example, if you turn 26 on January 10^th, you can remain on your parent’s plan until January 31^st.

How do you get coverage after turning 26 years old?

If your birthday is outside of the annual Open Enrollment period, you will be eligible for a special enrollment period. This period starts 60 days before you turn 26 allowing you to enroll in a plan that will start when the old one ends.

What are my coverage options?

• If eligible, you can purchase a rider to extend coverage under your family.
• You can purchase a separate individual plan. 
• If you are a student, you may be eligible for a student health plan through your school—some schools even group it with your tuition or other expenses.
• If you are employed, your employer might offer an insurance plan.

What exactly is a rider and who is eligible?

A rider is an amendment that allows you to extend coverage under your family plan. If eligible, coverage will be extended until the end of the month in which you turn 30 years old.  

To qualify for a rider you must be:

• Unmarried
• Not insured by or eligible for insurance through your employer.

Do you still have questions on what your options might be? Connect with us!