Do I Have To Keep My Child On My Health Insurance Until They Are 26?

It’s a common question that families are asking as they are trying to figure out their insurance options for the upcoming year. With so many changes afoot in the health care industry, it can be difficult to know what is best for your family. But one thing you should know is that under Obamacare, children must stay on their parent’s health insurance until they are 26 years old. This change is part of the Affordable Care Act, otherwise known as ObamaCare. There are a few exceptions to this rule, but for the most part, parents have to keep their children insured until they turn 26 years old. This is a big decision, and it’s important to weigh all the pros and cons before making a decision. 

Pros and Cons of Keeping Your Child on Your Health Insurance until They Are 26

pros and cons of keeping your child on your health insurance until they are 26 Keeping your child on your health insurance until they are 26 can have both positive and negative effects. The benefits of having them covered include the peace of mind that comes with knowing they are taken care of in an emergency, as well as the financial security that comes with knowing you will be paid for any medical expenses incurred.

However, there are also potential disadvantages to keeping your child on your health insurance until they reach 26 years old. For example, you may be considered a higher-risk patient because you are responsible for their well-being. This could affect the amount you receive in reimbursement for medical expenses, and it could also increase your premiums. It is important to weigh the pros and cons of keeping your child on your health insurance before making a decision.

When Is the Opt-Out Date?

The Obamacare opt-out date is March 23, 2018. After this date, children no longer have to be on their parent’s health insurance plan. However, if your child is already off of your health insurance plan and you want them to stay that way, you must still provide proof of coverage.

How to Get Your Child Off Your Health Insurance Without Going Through Their School

If you are considering dropping your child from your health insurance policy, there are a few things to keep in mind.

The first is that you will likely need to get written permission from your child’s school. It’s important to remember that if you drop your kid from your health insurance, the school is going to be the one responsible for finding another plan for them.

Another thing to keep in mind is that if you do drop your child from their health insurance, they may no longer be eligible for free or discounted school lunches.

There are a few steps you can take in order to get your child off of their health insurance without going through their school. The first step is to talk with the school and find out what kind of options they have available.

Some schools may be able to help connect children with government programs that offer free or discounted healthcare. Other schools may have arrangements with private insurers who can provide coverage at a lower cost than what the child’s parents were paying before. 

Whatever options are available, it is important to make sure that you work with the school so that they are aware of what is happening and have a backup plan if necessary.


There is no one-size-fits-all answer to this question, as the rules vary depending on your child’s age, health status, and insurance situation. However, generally speaking it is advisable to keep your children on your health insurance until they reach the age of 26 unless they are able to get coverage through their own employer or a government program like Medicaid. This is because most health insurance plans stop covering children after they turn 26 years old.