When does medical insurance stop coverage if not a student?

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Asked June 6, 2011

1 Answer


The cutoff age for health insurance will vary somewhat according to the insurance plan. Other than students who live at another location to attend college, most health insurance plans use the date of emancipation as the cutoff date. If a 17 year old has a job and rents an apartment of her own, the insurance company considers her to be emancipated and may offer no coverage or very limited coverage during a specific interim. College students will be cut off from health coverage between the ages of 21 and 25, which is true for all dependents except those with disabilities. By the age of 25, insurance companies consider the dependent to be an adult in their own right and will either offer interim coverage, an application to enroll in the same program under their own name, or simply notify the main health insurance purchaser that you are no longer eligible.

As long as the person is a dependent, living in the parent or guardian's home, they can be covered on the medical insurance until they are 25. When that person is no longer relying on established support and sets out on their individual life course, they should also take on the added responsibility of adulthood by taking out their own insurance policies and establishing a strong credit score.

Answered June 6, 2011 by Anonymous

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