Can I stay on my parents insurance if I move out?
Asked by: Javonte Ortiz | Last update: January 18, 2026Score: 5/5 (35 votes)
Do you have to live with your parents to stay on their health insurance?
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 move out and still be on my parents' insurance?
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 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.
Can I put my daughter on my insurance if she doesn't live with me?
“Being able to add a child not living with you varies by the insurance company and policy. For example, if you have a child who is a college student who lives away from home, many insurers will allow them to stay on your policy. The same may apply for military service.
When do you have to come off your parents insurance
Can I be on my parents car insurance if I live at a different address?
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.
How long can I stay on my parents' 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.
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.
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.
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 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.
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.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.
Can I stay on my parents insurance if I don t go to college?
You can stay on your parents' health plan until age 26. If your parents get a family plan through Covered California and claim you as a tax dependent, you may qualify for “premium assistance,” or help paying for health insurance.
Can my parents take me off their insurance before 26?
Health insurance coverage for kids under 26
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.
Can I stay on my parents health insurance if I'm married?
Yes, as long as you are younger than 26. Being married does not affect your eligibility to be covered as a dependent under your parent's plan.
Can I stay on my parents health insurance if I move out?
You can stay on a parent's plan until you turn 26
Get married. Have or adopt a child. Start or leave school. Live in or out of your parent's home.
Should I tell my insurance I moved?
If you're moving in state, you'll want to tell your car insurance company as soon as possible about your new address. If you move to another state, you may only have 30 to 90 days to change your car insurance, and update your driver's license and vehicle registration.
Is moving a qualifying life event?
If you need insurance or need to change your insurance outside of this time frame, you may be able to get health insurance, or make a change to your current plan, if you experience a qualifying life event, which gives you a special enrollment period (SEP). Moving to a new location is a qualifying life event.
Can I use my parents insurance if I live 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.
What happens if you don't update your address with car insurance?
Failing to update the garaging address when moving home. This can impact your insurance coverage as when making a claim, the coverage will be based on your previous address and could result in not being able to claim any money back from the insurer.
Can I insure my daughter's car if she doesn't live with me?
Providers usually don't allow you to add a non-related driver to your policy who doesn't live with you. Typically, car insurance covers the vehicle's owner and family members in the same household.
Do I get kicked off my parents insurance the day I turn 26?
Until your 26th birthday, you are eligible for coverage under an enrolled parent's health insurance plan, even if you are married, not in school, or not living with them. But once you turn 26, you age out and aren't eligible for their plan anymore.
What happens to my health insurance if I move out of state?
You need to sign up for a new plan if you move to another state. That means you'll fill out a new marketplace application and update the profile on your account.
Do you have to live with your parents to stay on their car insurance?
However, insurance companies typically require that you live at the same address as your parents if you're an adult on their policy. If you move out or purchase your own vehicle, you'll likely need to get your own insurance policy.