How to Get Health Insurance After Age 25 When Your Parent Goes on Medicare

As you transition into adulthood, it’s important to become responsible for your own health insurance coverage. If your parent has recently enrolled in Medicare, you may be wondering what your options are. While Medicare is a valuable program for seniors, it doesn’t cover dependent children over the age of 25.

Explore Your Employer’s Health Insurance

If you’re employed, check with your employer to see if they offer health insurance. Many employers provide health insurance as a benefit to their employees, and it may be an affordable option for you.

Consider Marketplace Plans

If you’re not eligible for employer-sponsored health insurance, you can explore plans through the Health Insurance Marketplace (healthcare.gov). The Marketplace offers a variety of plans from different insurance companies, and you may be eligible for subsidies to help pay for your coverage.

To qualify for Marketplace subsidies, your income must fall within certain limits. If you’re a full-time student, your income may be considered lower than it actually is, making you eligible for more affordable coverage.

Student Health Plans

If you’re a student, you may be eligible for a student health plan through your college or university. Student health plans are typically more affordable than other health insurance options and may offer coverage for a variety of services.

Medicaid Expansion

If you’re living in a state that has expanded Medicaid, you may be eligible for Medicaid coverage. Medicaid is a government-funded health insurance program that provides coverage to low-income individuals.

To find out if you’re eligible for Medicaid, contact your state’s Medicaid agency. You can also visit the Medicaid website at www.medicaid.gov.

Other Resources

If you’re not eligible for any of the above options, there are other resources that may be available to help you get health insurance. These resources include:

Community health centers: Community health centers offer affordable health care to low-income individuals and families.
Free clinics: Free clinics provide health care services to uninsured individuals.
Health insurance brokers: Health insurance brokers can help you find and compare health insurance plans.

Seeking Professional Help

If you’re struggling to find affordable health insurance, it’s a good idea to seek professional help. A licensed health insurance agent can help you explore your options and find the best plan for your needs.