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People under 30

Getting covered if you’re under 30

If you’re under 30, you have several choices for health coverage as a young adult:

Getting or staying on a parent’s plan

Buying your own insurance plan

  • Depending on your situation, you may be eligible for savings based on your income. You can pick a "Catastrophic" health plan — a way to protect yourself mainly from worst-case scenarios.
  • One catch: If someone claims you as a tax dependent, you can buy a plan through the Marketplace but won't qualify for savings based on your income.

Student health plans

  • If you're in school, you may be able to enroll in a student health plan — and meet the requirement for having coverage under the health care law.

Medicaid & CHIP

  • If your income is low or you have certain life situations, you could qualify for free or low-cost coverage through Medicaid.
  • In all states, you can qualify based on factors including income, some family situations like pregnancy and having young children, and disability.
  • If your state has expanded Medicaid coverage, you can qualify based on your income alone. Check if you might qualify.
  • If you have children, they might qualify for coverage under the Children’s Health Insurance Program (CHIP) — even if you don't qualify for Medicaid.
Fill out a Marketplace application any time of year to find out if you qualify for Medicaid and CHIP. Get started now.
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