States with Extended Dependent Coverage
States With Extended Dependent Coverage
If you live in one of the following states, you may be able to stay on your parents’ health insurance as a dependent past the standard cut-off age of 19. Each state has slightly different rules. Read on to find out what your state allows.
| STATE | HEALTH COVERAGE OPTIONS |
|---|---|
| California | Dependent children who are incapable of self-sustaining employment must be allowed to stay on their parents’ insurance indefinitely. |
| Colorado | Unmarried children who are financially dependent or share a permanent address with their parents may stay on their parents’ health insurance until they turn 25. |
| Connecticut | Effective in 2009, children may stay on their parents’ health insurance until they turn 26. |
| Delaware | Children who are residing in Delaware or attending school outside of Delaware may stay on their parents’ health insurance until they turn 24. |
| Florida | Unmarried and/or financially dependent children may stay on their parents’ health insurance until they turn 25. |
| Idaho | Unmarried non-students may stay on their parents’ health insurance until they turn 21; unmarried full-time students may stay on their parents’ health insurance until they turn 25. |
| Illinois | Dependents who serve in the military between the ages of 19-23, then return and become full-time students, can remain dependents after their 23rd birthday for as long as they spent in the service, but not past 25. |
| Indiana | Children may stay on their parents’ health insurance until they turn 24. |
| Iowa | Children may stay on their parents’ health insurance until they turn 25. |
| Maine | Children may stay on their parents’ health insurance until they turn 25, unless they have their own children. |
| Maryland | Unmarried children living with their parents may stay on their parents’ health insurance until they turn 25. Part-time students who are not full-time because of documented disabilities may also stay on their parents’ health insurance until they turn 25. |
| Massachusetts | Children may stay on their parents’ health insurance for up to two years after their parents stop claiming them as dependents on their taxes, or until they turn 25, whichever comes first. |
| Michigan | Any insurance that covers students as dependents must continue to do so for up to 12 months, if they take a health-related leave of absence; but if they age out of the policy during those 12 months, the policy may be terminated. |
| Minnesota | Children may stay on their parents’ health insurance until they turn 25. |
| Montana | Children may stay on their parents’ health insurance until they turn 25. |
| New Hampshire | Children may stay on their parents’ health insurance until they turn 26. Any insurance that covers students as dependents must continue to do so for up to 12 months, if they take a health-related leave of absence. |
| New Jersey | Children may stay on their parents’ health insurance until they turn 30, unless they have their own children. |
| New Mexico | Children may stay on their parents’ health insurance until they turn 25. |
| Pennsylvania | Full-time students whose studies are interrupted by service in the Reserve or National Guard must be treated as dependents for the purposes of health care until they finish school, regardless of age. |
| Rhode Island | Children may stay on their parents’ health insurance until they turn 25. |
| South Dakota | Children may stay on their parents’ health insurance until they turn 24. |
| Texas | Children may stay on their parents’ health insurance until they turn 25, as long as they are unmarried and still considered dependents for the purposes of federal income taxes. |
| Utah | Children may stay on their parents’ health insurance until they turn 26. |
| Virginia | Children may stay on their parents’ health insurance until they turn 25. |
| Washington | Children may stay on their parents’ health insurance until they turn 25. |
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