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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:
Insurance companies may charge more for dependent coverage past age 18, but cannot exceed 102% of the policyholder's cost before the child turned 18. Dependents may stay on their parent's coverage for two years past the loss of dependent status age or until age 25, whichever comes first.