How New Grads Can Buy Health Insurance

By Kimberly Lankford

| Photographs By Doucefleur

QUESTION: My daughter just graduated from college and doesn’t yet have a job that offers health insurance. She’s going to be moving to a different state. Can she stay on my insurance?

ANSWER: She can stay on your policy until age 26, but check whether your plan has in-network providers in her new state. If she goes out of network, she may pay a higher deductible and co-payments, or she may have no coverage except in emergencies.

She could also buy a policy through her new state’s insurance exchange. ( has links to exchanges.)

If she’s not financially dependent on you, she may qualify for a government subsidy to help pay premiums. Subsidies are available to singles earning up to $48,240 in 2018.

Or she could get a “catastrophic plan,” available to people younger than 30, which offers low premiums but higher deductibles and no subsidy. Catastrophic policies sold on last year cost an average of $201 per month, says Lisa Zamosky, of eHealthInsurance.

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Copyright 2018 The Kiplinger Washington Editors. This article was written by Kimberly Lankford from Kiplinger and was legally licensed through the NewsCred publisher network. Please direct all licensing questions to

Tags - Health, Insurance


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