Can I stay on my parents' health insurance if I live out of state?
Asked by: Evert Murray | Last update: August 4, 2025Score: 4.9/5 (52 votes)
Can I use my parents' health insurance if I live in another state?
Nope. Your car needs to be registered and insured where you live. Besides that it's fraud, if you used your parents' address when you lived in another state, it would be easy for an adjuster to find out and the claim most likely would not be covered.
Can you stay on your parents' insurance if you move out?
Moving out of your parents house has nothing to do with you being on their health insurance. If you are covered on their policy, you will be covered no matter where you live - unless you are moving out of the state. You will not be taken off the policy, unless your parents tell the insurance company to take you off.
Can I be on my parents' insurance if I don't live with them?
You do not have to live in the home of your parents in order to remain on your parent's health insurance policy until you are 26 under the ACA.
Can I keep my health insurance if I move out of state?
Marketplace plans are state specific, so if you move out of your current state, you'll need to terminate your old state's plan and get a new one in your new state of residence.
How Long Can I Stay On My Parents Health Insurance? - InsuranceGuide360.com
Can my child be on my health insurance if they don't live with me?
You can stay on a parent's plan until you turn 26
Have or adopt a child. Start or leave school. Live in or out of your parent's home.
Will my health insurance cover me out of state?
Some plan types, like PPO or OAP plans, allow for full access to any and all participating providers in that carrier's network, regardless of which state you reside in. Other plan types, like HMO or POS plans, will cover emergency services anywhere in the country but may not cover routine care in another state.
Does it matter what state I live in for health insurance?
You should buy coverage in the state where you officially reside. Most states consider you a resident if you intend to make that state your permanent home.
How can I stay on my parents' health insurance after 26?
Can I stay on my parents' health insurance after I turn 26? No, not in most states. There are a few states offering extensions beyond age 26 with certain limitations. For example, New Jersey allows kids to stay on a parents' policy until age 31 if the child is unmarried and has no dependents.
How long can I use my parents' address as my permanent address?
Your parents' home where you can return to at any time still remains your permanent home address. This is even if you've lived away from this address for the past four or five years.
Do I lose my parents' insurance the day I turn 26 in United Healthcare?
Plans that provide coverage for dependents are required to extend the coverage of dependents to age 26, regardless of their eligibility for other insurance coverage. Plans must provide coverage to all eligible dependents, including those who: Are not enrolled in school.
Can I insure my son if he doesn't live with me?
Unfortunately, because the car and your child are not located at your house anymore, they cannot stay on your car insurance policy unless they're a full-time student. Car insurance providers require that the insured live at their residence and park their car at their address to be listed on a policy.
Can I stay on my parents' insurance if I file taxes independently?
Do my parents have to claim me as a tax dependent for me to be on their health plan to age 26? No. You do not need to be a tax dependent of your parents to continue to be covered on their health plan.
How do I get health insurance if I live in two states?
Multi-State Plan options are offered, along with other approved plans, on the Health Insurance Marketplace. The Marketplace is a one-stop shop where you can compare prices on health plans, buy coverage, and obtain Federal subsidies if you qualify for them.
Why do you get kicked off parents insurance at 26?
The Affordable Care Act, also known as Obamacare, requires that health insurance companies cover dependent children on their parents' plans until they are 26. Most can stay on the healthcare plan even if they live outside the state, get married, or have children.
Does turning 26 count as a life event for insurance?
Turning 26 is a milestone birthday when it comes to health insurance because you're no longer eligible to stay on your parents' health plan. However, turning 26 is considered a qualifying life event—which makes you eligible (qualifies you) to buy health insurance during a special enrollment period.
What happens if you get pregnant while on your parents' insurance?
If you are on your parents' health insurance plan and get pregnant before turning 26, your parents' plan will cover your prenatal care, childbirth/delivery, ultrasound and regular check-ups during your pregnancy.
How much is a cobra for a 26 year old?
Cost Of COBRA Continuation For Adult Children
As the parent's employer is no longer subsidizing a portion of the adult child's health insurance, the full monthly premium is the responsibility of the insured. The average is $400 – 700 per month when continuing on COBRA.
Can you live in one state and have insurance from another?
There's also no such thing as a multi-state car insurance policy that originates from two or more states. Any auto policy you buy will originate from one state only, typically the state where you reside.
How do snowbirds get health insurance?
Some insurers offer Advantage plans specifically designed for snowbirds. Medicare Cost Plans work well for snowbirds, but aren't available in most states. Original Medicare will cover you anywhere in the nation, but make sure your doctors and hospitals are participating providers with Medicare.
Can you stay on your parents' insurance if you move out of state?
Yes, you are eligible to be covered on your parent's plan up to age 26 regardless of where you live. However, your parent's health plan probably has a network of participating providers and it may be difficult for you to find in-network care when you are living in another state.
Can you have health insurance in a state you don't live in?
As the law exists now, you can only buy health insurance in the state where you maintain your permanent address. Your insurance company may not cover you if you move states and do not report this change in address.
What insurance is accepted in all 50 states?
Medicare is run by the federal government, which is why Original Medicare coverage is the same in every state and includes nationwide access to providers.