Do I loose my health insurance the day I graduate college or is there any type of grace period?

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Asked February 10, 2014

1 Answer


Under current health insurance law, you are eligible to stay on your parents insurance until you reach the age of 26. In order to qualify, you must live at home or be enrolled as a full time student. Even if you live away from home while attending school, you are still covered until you turn 26.

By the time you are 26, you must furnish your own health insurance. If you graduate from school and move out of your parent's home, you would need to get your own coverage as well. The idea is that as long as you are dependent on your parents and under 26, you are still covered, but if you are self-sufficient in other areas of your life, you should be supplying your own insurance as well.

Even if you are still in college when you turn 26, the coverage of your parents will not work anymore. If you are not able to purchase insurance coverage on your own, you can apply for coverage through Medicaid. Now that Obamacare is in effect you are able to apply for insurance vouchers through the government to assist you in getting adequate health insurance.

Your coverage does not end immediately. You will typically have a 30 day grace period after moving out of the family home or turning 26. This gives you time to get organized and shop around for the best coverage options and costs. If you are about to turn 26, move out of the family home or graduate college, use this website to begin shopping for affordable health insurance. With the free online quote provided, you can get an idea of what the coverage is going to cost, and see how your rates compare between several leading insurers.

Answered February 10, 2014 by Anonymous

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