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Health coverage for children under 26. If a plan covers children, they generally can be added to or kept on a parent's health insurance policy until they turn 26 years old. Children can join or remain on a parent's plan even if they are:
1 Child no longer qualifies as a dependent-the child can elect continuation coverage for up to 36 months under both federal and state law. 2  Under the new federal health reform law, a dependent can stay on the parent's group health plan until he/she turns 26, unless it is a grandfathered plan.