If you have a family health plan, you can cover yourself, your spouse, and your children under 26 years old. However, there may be exceptions to this depending on where you get your insurance. For example, some employer-provided plans may exclude coverage for spouses or limit coverage to those who can't get insurance through their own employer. On the other hand, employer-provided health plans must cover dependent children, though companies with less than 50 workers are exempt from this requirement.