Can I stay on my parents health insurance if I move?
Asked by: Shana Brekke | Last update: November 13, 2025Score: 4.9/5 (13 votes)
Can I still be on my parents' health insurance if I move out?
Legally, child dependents can stay on their parents' health insurance until age 26, even if they are eligible through their own employer. Even if you get married, even if you move out, even if you make a million dollars a year. If you're under 26, you can be carried as a child dependent by your parent.
Can I still be on my parents' health insurance if I live in another state?
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 you put your parents on your insurance if they live with you?
Beginning in 2023, a new state law allows adult children to add their dependent parent or stepparent to their health plan policy, as long as the dependent parent or stepparent is not eligible for or enrolled in Medicare and they live in the health plan's service area.
Can I keep my insurance if I move out of state?
No, you will not be able to keep the same insurance policy if you move from one state to another. You must tell your insurance company of your move as soon as you complete the move. You may be able to keep the same insurance company, if they are licensed to sell in both states, but the policy will be different.
Desi Parents Insurance Options in USA
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.
Can I still be on my parents car insurance if I move out of state?
No, insurers typically require all vehicles insured on the same policy to be kept at the same address.
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.
Is it illegal to be on your parents insurance?
Per federal law, you can remain on your parents' health insurance until your 26th birthday in most states. There are no restrictions before then, so you're eligible for coverage under your parents' plan even if you're: Married. Not in school.
Is there a way to stay on your parents insurance after 26?
Eight states — Florida, Illinois, Nebraska, New Jersey, New York, Pennsylvania, South Dakota and Wisconsin — let you stay on your parent's health insurance plans well past the age of 26. You can stay on your parent's health insurance indefinitely if you have a qualifying disability in the following states.
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.
Is moving out of state a qualifying event?
Moving to a new location is a qualifying event because insurance rules and availability differ from state to state. Rules and availability may also differ if you move within the same state, so even a ZIP code change may count as a qualifying life event for an SEP.
Does moving affect your health insurance?
If you move to a different state
It's very important to report moves out of state immediately so you can enroll in a new plan without a break in coverage — and avoid paying for coverage that doesn't apply in your new state.
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 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.
Can I stay on my parents' health insurance 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 your parents kick you off their health insurance?
Yes, your parents can remove you from their health insurance plan after you turn 18. If they do this, you become responsible for your own healthcare expenses and getting a health insurance policy.
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.
Can you insure someone with a different address?
If you and a friend own a vehicle together but do not live at the same address, you may have trouble obtaining an auto insurance policy. Your insurance provider can help you determine the best way to handle this situation.
Can my daughter be on my health insurance if she doesn t live with me?
Living with parents: Your child doesn't have to be living with you at the time you enroll them in your health insurance plan, provided they've lived with you long enough to meet the residency requirement. Marital status: your child is still eligible for coverage if he or she is married or has children.
Can someone be on your insurance if they don't live with you?
Yes, it is possible to add someone to your car insurance policy who doesn't live with you, depending on your insurance company's policies. Typically, insurance companies allow you to add immediate family members or someone who regularly drives your vehicle.
Can I stay on my parents' insurance if I move out?
Depending on your insurer, you can remain listed as a driver on your parents' policy as long as their home is your permanent address or you're a full-time student. Once you've permanently moved out, you'll likely need to obtain your own car insurance policy.
Can I put my mom on my car insurance if she doesn t live with me?
However, you may need to add a non-resident (someone who doesn't live with you) to your car insurance if they are also driving your car or will occasionally borrow it. Adding a non-resident driver to an existing policy can seem intimidating if you haven't done it before—but don't stress!
How long can children stay on parents' health insurance?
The Affordable Care Act requires plans and issuers that offer dependent child coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage. This rule applies to all plans in the individual market and to all employer plans.