TURNING 26?
It’s time to choose your own healthcare coverage
Happy Birthday!
Turning 26 is a milestone and reason to celebrate.Did you know that when you turn 26 you are no longer eligible* to stay on your parent or guardian’s health plan? This is considered a qualifying event and makes you eligible to buy health coverage during a special enrollment period.
*The Health Insurance Marketplace® allows dependents to remain on their parent or guardian’s plan through December 31.
Not sure how to get started? We can help you choose the Individual & Family plan coverage that’s right for you.
Contact us today
You have a 4-month window to choose a new plan
That can go by quick, so be sure to enroll early. This special enrollment period includes:
60 days before your last day of coverage
Learn about health plan options available to you. You can enroll anytime during the 4-month window.
26th birthday
Happy Birthday! Enjoy your special day.
60 days after your last day of coverage
Time's running out! Don't forget to enroll in your own plan so you can stay covered.
If your parent or guardian has a Health Insurance Marketplace® plan, you can stay covered on their plan through December 31.
Additional benefits and programs available through our health plans
Behavioral Health Resources
We're here for you when you need us. Meet with a licensed mental health provider that best suits your needs, fully confidential – always.
LifeBalance
Get discounts on things you love to do, from seeing a movie to getting away for less with unique vacation packages.
One Pass Select™
One Pass Select™ makes it easy with access to a nationwide network of gyms and on-demand workouts along with grocery delivery for healthy eating.
Health Coaching
Providence health coaches are here to support your journey to a healthier, happier life.
ID Protection
Get peace of mind with Assist America Identity Theft Protection's fraud monitoring, warning, and resolution.
Travel Assistance
Get emergency medical help while traveling more than 100 miles away from home, or internationally with Assist America.
Frequently asked questions
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How long can I stay on my parent’s insurance after I turn 26?
If you are covered under your parent’s employer or Individual & Family policy, you will lose coverage after the last day of the month in which you turn 26. You have up to 60 days after the date you lose coverage to choose a new health plan. If you do not choose a health plan within that timeframe, you may be required to wait until Open Enrollment to apply for coverage.
If you are covered under your parent’s Health Insurance Marketplace® policy, you will be removed from your parent’s policy at the end of the plan year (Dec. 31). You should expect to receive notification and instructions from the Health Insurance Marketplace® when they re-enroll you as a subscriber on your own plan.
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When am I eligible for a Special Enrollment Period?
Your Special Enrollment Period begins 60 days before and ends 60 days after the date you involuntarily lose coverage.
View a list of Qualifying Events
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How do I get my own coverage?
There are three ways to choose your own health plan:
- Purchase an Individual & Family plan directly through Providence Health Plan
- Purchase an Individual & Family plan through the Health Insurance Marketplace® at HealthCare.gov
- Enroll in your employer’s group plan
Have questions? Contact our sales team at 833-978-0109 Monday through Friday, 8 a.m. to 5 p.m. (Pacific Time).
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How do I know if I am eligible for financial assistance?
Give us a call at 833-978-0109 and our Sales team can help you determine if you are eligible for a Health Insurance Marketplace® subsidy that lowers your monthly premium or out-of-pocket costs (like deductibles, copays, and coinsurance).
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What are important things to look for in a new health plan?
- Know what your costs will be, like the premium, deductible, coinsurance, copays and out-of-pocket maximum
- Make sure your provider is in-network
- The type of care you will have access to
- Learn more about other common health plan basics
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I am a parent/guardian and have a dependent turning 26. What do I need to do?
If you have coverage directly from Providence Health Plan or through your employer, your dependent will be automatically removed from your plan at the end of the month in which they turn 26. If you have a Health Insurance Marketplace® plan, they will be automatically removed from your plan on December 31.
Our Sales team can answer questions and help you and your dependent select the right plan for them. Call 833-978-0109 Monday through Friday, 8 a.m. to 5 p.m. (Pacific Time).
Contact us
Our Sales team is available to answer questions and help find the right coverage. Call 833‑978‑0109, Monday through Friday, 8 a.m. to 5 p.m. (Pacific Time).
Contact sales
