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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.any people have health insurance through their employer's group plan. When they no longer qualify for coverage through this plan, federal and state law may provide the right to continue coverage in that group plan for a limited time.