Can Parents Be Covered Under My Health Insurance? 
Yes , you can be covered with your parents under a single health insurance plan . In fact , it is quite common . When you reach age 26 , you will have to purchase a separate policy , which should not be too expensive . The existing policy will remain in your parent 's name , since they were the original applicants . Your rates -LRB- all three persons -RRB- depend on a variety of factors including your age , where you live and the type of coverage you want . At that age , premiums will be fairly low.If existing medical conditions are an issue , in October , Open Enrollment begins for 2014 Guarantee-Issue coverage under the Affordable Care Act . You can also add dependents to your own policy once you leave your parent 's plan . 