DWQA QuestionsCategory: Young Adults and StudentsI just got a job that offers health benefits, but my parent’s health insurance plan is better and less expensive to me. Can I stay on my parent’s policy?
HealthTNHealthTN Staff asked 5 years ago

I just got a job that offers health benefits, but my parent’s health insurance plan is better and less expensive to me.  Can I stay on my parent’s policy?

1 Answers
HealthTNHealthTN Staff answered 5 years ago

Generally yes. Eligibility for group health benefits through your own job does not make you ineligible to be covered as a dependent on your parent’s policy up to the age of 26. One exception to this rule applies to grandfathered group health plans. These are plans offered by employers that were established prior to March 23, 2010 and that have not significantly changed since that date. If your parent’s policy is a grandfathered group health plan, it can refuse to cover you as a dependent if you are eligible for health benefits through your own job. However, this exception ends in 2014 as the grandfathered plan year renews. You will have to ask your parent’s health benefits administrator to find out about grandfather status of the plan.

This website is operated by Continental Health Alliance, LLC DBA HealthTN.com and is not the Health Insurance Marketplace website. In offering this website, HealthTN.com is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.
Hey There!
Do Know If You Qualify for a
Health Care Subsidy?
Speaking to an agent is 100% free and there is no obligation to buy.
Request a Call from an Agent!
No Thanks!
close-link