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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


What are My Options at Age 23?

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Question: If I'm 23 and starting a full-time job, am I forced to use my new employer's Covered California plan, or can I stay on my parent's coverage until I turn 26?

Answer: Yes. You can stay on your parent's plan until you are 26 years old. When you are 26, you will have to enroll in your employer-based health plan.

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Understand that if your parents’ plan is not a PPO, you must receive all health care other than emergency services within the network. Only with a PPO (or HMO POS) will you have coverage outside the network for nonemergency health care needs.

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