1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Yes, you can be covered with your parents under a single health insurance plan. In fact, it is quite common. When you reach age 26, you will have to purchase a separate policy, which should not be too expensive. The existing policy will remain in your parent's name, since they were the original applicants.

    Your rates (all three persons) depend on a variety of factors including your age, where you live and the type of coverage you want. At that age, premiums will be fairly low.If existing medical conditions are an issue, in October, Open Enrollment begins for 2014 Guarantee-Issue coverage under the Affordable Care Act.

    You can also add dependents to your own policy once you leave your parent's plan.
    Answered on May 24, 2013
  2. 290 POINTS
    Mark Gilblair
    US Health Advisor, US Health Group, 2250 Point Blvd suite 322, Elgin IL. 60123
    Currently family policies consist of at least two people such as a wife and husband or a parent/guardian and one child under the age of 26. Your probably do not fit that description and if your parents for whatever reasion are unable to purchase their own health insurance; you can purchase a separate policy for them. Speak with a health advisor about customizing a plan that will fit your budget and properly cover your parents needs.
    Answered on May 24, 2013
  3. 95 POINTS
    Don Walker
    CEO, The Walker Group, Dallas, Texas
    I believe the question is "can you cover your parents on your health insurance policy?" The answer is no. Typically, the policy requires that covered family members be defined as a dependent of the policy holder. Parents do not meet that requirement. It would be best to purchase a separate policy on them. Consult with a local agent or broker in your area.
    As mentioned by others, if you are age 25 or younger, you can be covered on their health policy to age 26.
    Answered on May 24, 2013
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