The Young Adult’s Guide to Turning 26

At Watermann Consulting, we are your partner when you turn 26, and beyond.

What You Need to Know About Turning 26

Turning 26 can be a time of change for many young adults aging out of parent-based coverage. Continue reading to learn what you need to know about transitioning off your parents’ plan, exploring new options, and staying insured.

Coverage Transition & Enrollment Windows

Special Enrollment Period (SEP): You get a 60-day window to enroll in a new health plan once your parental coverage ends.


Open Enrollment Period (OEP): Typically runs November 1 to December 15, depending on your state.



Employer Enrollment: If eligible for workplace coverage, your employer may have its own enrollment schedule—check with them directly.

A woman is sitting at a desk using a laptop computer.

Available Insurance Options After Turning 26

Employer-Sponsored Health Insurance: Often more affordable due to employer premium contributions.


ACA Marketplace Plans: Offer a range of options across premium and coverage levels. Losing parental coverage qualifies you for a SEP.


Medicaid: Available at no or low cost if your income is below a certain threshold.


Catastrophic Health Plans: Available to those under 30 or who qualify for a hardship exemption; these have low monthly premiums but very high deductibles.



COBRA Continuation Coverage: Allows temporary continuation of your parent’s employer health plan for up to 36 months—though it can be costly.

Tips for Picking the Right Plan

Consider your:

  • Health Needs: Frequency of doctor visits, prescriptions, etc.
  • Budget: Balance between monthly premiums and deductible/copay costs.
  • Provider Network: Does the plan include your preferred doctors or hospitals?
  • Plan Features: Benefits like telehealth, mental health services, or wellness programs can be valuable.



Also, explore available subsidies—whether it’s premium tax credits, cost-sharing reductions, or other financial support. Reach out to your provider if you’re unsure what you qualify for.