Under the ACA, young adults can stay on a parent's health insurance until age 26 regardless of residency, financial dependence, student status, or marital status. Coverage end dates vary by plan. After 26, options include employer plans, Marketplace plans, Medicaid, catastrophic plans, or COBRA. Losing coverage triggers a special enrollment period. Spouses and children are not covered under a parent's plan. State rules and exceptions may apply.
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