Your savings will be based on only your income, not your parent's.

And you live separately from your parents (whether in the same state or a different one): You should fill out your own separate application.

But if you apply with your parents, you may be required to choose a separate plan because you're 26 or older.

When you move to or from the place you live and go to school, you may be eligible for a Special Enrollment Period allowing you to enroll outside the yearly Open Enrollment Period.

The cost of both your plan and your parent's plan may be reduced with a premium tax credit and extra savings based on the whole household's income, not just yours.

But you'll include their income on your application.

You'll do the same: When you fill out your own separate application, state that your parents and the other members of their tax household don't need health coverage.

Your income will still be counted because Marketplace savings are based on expected income for all tax household members, not just the ones who need insurance.

They'll fill out or update their application and state that you don't need health coverage.

You'll still be included in your parent's tax household, even though you're applying separately.

When you fill out your application, note:

You may want to do this to enroll in a plan that better meets your needs in the state you go to school. Apply yourself in the state you go to school.Before you enroll or decide to stay on a parent’s plan, be sure to read the plan's coverage documents and review the provider network carefully so you know how the plan covers care delivered in the state you go to school. Apply for coverage with your parent or stay on their plan.Living in a different state from your parents: You have two options:.(Voluntarily dropping a student plan doesn’t qualify you for a Special Enrollment Period.)

This way they can add you to their plan outside Open Enrollment. Losing a student health plan may qualify you for a Special Enrollment Period. Your parent can add you during Open Enrollment (or during a Special Enrollment Period, if they qualify). Living in the same state as your parents: You can be included on your parent's application.Check if you qualify for a Special Enrollment PeriodĮven if you have access to a student health plan, you can apply for coverage (or stay covered) through the Health Insurance Marketplace ® instead.

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