If you're under 30, you can get health coverage a few different ways, some designed specifically for you. Here are some different ways to get health coverage:
Under 26? You may be able to get on a parent's health insurance plan. Learn how to get or stay on a parent's plan.
If you're in school, you may be able to enroll in a student health plan. There are several coverage options available for students:
- You can enroll in a student health plan, if you qualify.
- If you are currently enrolled in a student health plan, you can still qualify for coverage, with financial assistance, through Pennie if you apply during Open Enrollment. In addition, if you are eligible for a student plan, you can still enroll in coverage through Pennie with financial assistance, either during Open Enrollment or during a Special Enrollment Period, if you qualify.
- If you're under 26 and living in the same state as your parents: You can be included on your parent's application. Your parent can add you during Open Enrollment (or during a Special Enrollment Period, if they qualify).
- If you're under 26 and go to school in Pennsylvania: You can still be included on your parent’s plan regardless of which state they live in, or you can enroll in coverage through Pennie on your own.
Depending on your situation, you may be eligible for financial assistance to lower the cost of health coverage and care, based on your income. You can also pick a Catastrophic health plan - a way to protect yourself mainly from worst-case scenarios. However, if you choose a Catastrophic plan, you will not be eligible for financial assistance.
If your income is low or you have certain life situations, such as a pregnancy, or if you have young children, or a disability, you can qualify for free or low-cost coverage through Medicaid.
If you have children, they might qualify for coverage under CHIP even if you don't qualify for Medicaid.