ACA Health Insurance for Dependent Adults: A Guide for Parents

If you’re a parent of an adult child in need of affordable health insurance, the Affordable Care Act (ACA) provides options that may be able to help. In this blog, we will explore the ins and outs of ACA health insurance for adult dependents, answering the questions you may have.

Can You Add Your Adult Child to Your ACA Plan?

Yes, you can add your dependent adult child to your ACA health insurance plan until they turn 26 years old. This means that they can be covered under your policy, even if they are notfinancially dependent on you. However, there is a income threshold that must be met

Can an Adult Child Purchase Their Health Insurance Plan?

Yes, adult children can purchase their own health insurance plan through the ACA Marketplace. Because your daughter’s income is $10,000 a year, she should qualify for subsidies to help lower her monthly premium. They can also qualify for Medicaid if their income is low enough.

Income Thresholds for ACA Health Insurance

To qualify for ACA health insurance subsidies, your income must fall within certain limits. The income threshold for 2023 is $58,000 for an individual and $118,000 for a family of four. If your income is above these thresholds, you will not be eligible for subsidies.

How to Find ACA Plans Accepted at Mayo

Mayo Clinic accepts a variety of health insurance plans, including UnitedHealthcare and Aetna. To find plans that are accepted at Mayo, you can visit the Mayo Clinic website or call their customer service department.

Resources for Help

If you need help with understanding ACA health insurance or finding a plan that meets your needs, there are a number of resources available to you. You can:

Call the ACA Marketplace at 1-800-318-2596
Visit the ACA Marketplace website at
Contact a licensed health insurance agent


The ACA provides a number of options for affordable health insurance for adult dependents. If you have an adult child who needs health insurance, be sure to explore the options available to you. With the right plan, you can help your child get the coverage they need to stay healthy and financially protected.

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