Turning 26? Your Health Insurance Guide
Aging off your parents' insurance is a major life milestone. Here's everything Minnesota residents need to know to stay covered.
Critical Deadline: 60 Days
You have 60 days from your 26th birthday to enroll in a new health plan through the Special Enrollment Period. After that, you'll have to wait until Open Enrollment (November-January) or go uninsured.
Key Dates to Know
30 Days Before Your Birthday
Start researching your options. Compare MNsure plans, check if your employer offers coverage, and gather documents.
Your 26th Birthday
Coverage under your parents' plan typically ends on your birthday or at the end of that month (check their policy).
Within 60 Days
Enroll in new coverage through MNsure, your employer, or another source. This is your Special Enrollment Period.
Your Coverage Options
Employer Insurance
If your job offers health benefits, this is often the easiest option.
- Employer pays part of premium
- Automatic payroll deduction
- Often includes dental/vision
Ask HR about enrollment deadlines
MNsure Marketplace
Minnesota's health insurance marketplace with subsidies for eligible residents.
- Subsidies if income qualifies
- Multiple plan options
- Coverage for pre-existing conditions
Medicaid / MinnesotaCare
Free or low-cost coverage for lower-income Minnesotans.
- Free if income under ~$20K
- MinnesotaCare up to ~$30K
- Comprehensive coverage
Apply through MNsure
Recommendations by Income
| Annual Income | Best Option | Estimated Cost |
|---|---|---|
| Under $20,120 | Medical Assistance (Medicaid) | $0/month |
| $20,120 - $30,180 | MinnesotaCare | $0-$80/month |
| $30,180 - $58,320 | MNsure with subsidies | $50-$300/month |
| Over $58,320 | Employer plan or MNsure (no subsidy) | $300-$500/month |
* Income limits based on 2026 Federal Poverty Level for single person
Still in School?
If you're a graduate student or still enrolled in college, you may have additional options:
- Student Health Plans: Many universities offer health insurance for students
- Lower Income: Student income is often low enough for Medicaid or subsidies
- Campus Resources: Check with your school's student health services
Your To-Do Checklist
Ready to Find Your Plan?
Check your subsidy eligibility and explore MNsure plans before your coverage ends.