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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:
The 90-day waiting period does not apply to children who lost insurance coverage because: 1  Their parents separated, divorced, or got remarried. 2  A parent died. 3  A parent lost the family's health insurance they had through work. 4  A parent's COBRA benefits ended. 5  The Texas Employees Retirement System no longer covers the child.