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    How Long Can I Stay on My Parents' Health Insurance Plan?

    According to the Affordable Care Act (ACA), all those under 26 can remain on their parents' health insurance plans. This means when your 26th birthday comes around, you are required to get off the plan and look for a new plan or other potential coverage options. Let’s dive deeper into other options during this Open Enrollment Period.


    When Will I Need to Choose
    a New Health Insurance Policy?

    Your parents’ insurance will continue until the last day of your birth month (at age 26). After that time, you can no longer stay on your parents’ health insurance. Before that date, you will need to have an alternative ready, so you don’t have any gaps. When you turn 26, you will have a Special Enrollment Period, in which you can enroll in a policy outside of Open Enrollment time. This period occurs 60 days before you lose coverage and lasts 60 days after you lose coverage.



    I Need an Alternative to My Parents’ Health Insurance. Can I Find Another Option?

    Health insurance shopping is daunting. It is a whole new world and, for the most part, a little confusing. Let's go over some possible choices to check out before you turn 26. It is always better to have an informed decision than choose one abruptly.

    • Employer-Sponsored Plan: This would be a plan that you can sign up for through your place of employment. In most cases, payment for your health insurance will come out of your paycheck.

    • College-Provided Insurance: Most colleges have an insurance option that students can sign up for.

    • Health Insurance Marketplace: This is the place to online shop for a plan during Open Enrollment. Here, you can check out multiple insurance companies and figure out what suits you best.

    • Medicaid: This is an alternative you must qualify for, but it is a low-cost plan.

    • Health Care Sharing Ministries: These organizations provide alternatives to Obamacare and traditional health insurance through affordable health care sharing Programs. Read on for more information!

    Why a Health Care Sharing Ministry (HCSM) is the Best Health Care Alternative for You.

    OneShare Health is an alternative to traditional health insurance. Instead, with our Christian health sharing ministry, you are sharing your Community's medical bills and could save up to 50% compared to traditional insurance. Does this sound like a better alternative?

    Being a part of OneShare’s HCSM does not give you traditional health insurance, but it does allow you to pick a low-cost medical sharing Program with many Features, regardless of the Program you choose.


    OneShare Catastrophic Program OneShare Catastrophic Program
    Pricing Contributions as Low as
    $ 69.99
    $ 6
    per month
    Contributions will vary based on state, Member’s age, Demographics, Program, and Tier.
    Contributions as Low as
    $ 89.99
    $ 7
    per month
    Contributions will vary based on state, Member’s age, Demographics, Program, and Tier.
    Eligible Services Affordable Monthly Contributions
    to Fit Your Budget
    Three Levels of Care to Choose From
    Smart Virtual Care
    Telemedicine services are not owned or operated by OneShare Health LLC., but made available to OneShare Members by Clever Health™.
    Mental Health Support
    Mental Health Support is not owned or operated by OneShare Health.
    X-Rays / Labs / Diagnostic
    Catastophic program is eligible for Emergency Room and Hospitalization only.
    Emergency Room
    Prescription Discount Program
    Lifetime Sharing Maximum
    Primary Care Physician N/A
    Urgent Care Facility N/A
    Preventive Services N/A
    Eligible After ISA on Classic Crown. Natural Delivery $5,000; C-Section $8,000; complications $50,000.
    (Classic Crown Only)
    Maximum Limit per Incident $150,000 / $250,000 / $500,000 $150,000 / $250,000 / $500,000
      Learn More Learn More
    You need to get off your parents’ insurance when you turn 26. Our Catastrophic health plan is an option to find your own affordable health care!
    Catastrophic_Program_Brochure_Img_v2Download Catastrophic Program Overview

    OneShare Health’s Catastrophic Program is a great alternative for those who need a cheap health insurance option for healthy people. It gives you the emergency protection you need without the price of full-package insurance. Catastrophic health sharing Programs let you save money while remaining in good hands in case of an emergency. 

    Classic_Program_Brochure_Img_v2Download Classic Program Overview

    The Classic Program has access to a wider range of services designed to enhance wellness while also sharing essential needs through preventive health care, reduction of hospitalization, and more. Expecting mothers may also take advantage of Maternity Sharing under select tiers of this Program! 

    OneShare Health also offers Features and Discount Programs such as:

    • Smart Virtual CareTM (Telemedicine)

      The ability to communicate with a doctor anytime, anywhere with Smart Virtual Care (Telemedicine) technology powered by Clever HealthTM. This Feature does not have any additional cost! Open the app to receive acute medical care for non-emergency needs, even on the go.

    • Bella, the Intuitive Mental Health Chatbot

      Get mental health help when you need it most with Bella, the Intuitive Mental Health Chatbot! Bella connects 24/7 via the Clever HealthTM App, the AI-powered mental health coaching chat specializes in anxiety and depression, provides self-help content and coping techniques, is 100% anonymous, and is accessible 24/7/365!
    • Discount Services

      Save money where it matters, all at your fingertips. All our Programs include Membership Discount Services perks to help you save on Diabetic Supplies, Labs and Diagnostic, Dental, Vision, Prescriptions, and more!

    Learn More

    If you still have questions about what OneShare can do for you in terms of affordable health care, check out some OneShare Health reviews, and look at what our Members have to say about our Programs! Hearing from a Member is the best way to understand how we are different from any other company in the health care industry.

    Start Saving Up to 50% or More
    on Your Health Care Today!

    Need to find your own insurance plan? Learn about OneShare's affordable health care alternative now!

    If you don't want to go the Obamacare route with Open Enrollment and want to save money on your care, check out our Health Care Sharing Ministry that's exempt from the ACA! To start your enrollment in a health care sharing Program that could save you thousands a year on your care, grab a free OneShare Health quote by entering your ZIP Code below! 

    Need to find your own insurance plan? Learn about OneShare's affordable health care alternative now!

    “Therefore encourage one another and build one another up, just as you are doing.”  

    1 Thessalonians 5:11 (ESV) 

    You can stay on your parents' insurance until you're 26, then you'll need to get off your parents' plan.