<p>
Under the health care act, up until 2014 some plans that were in already in existence at the time the act was passed do not have to keep employees kids on their plans if they are able to get insurance through their own jobs. If you are eligible for insurance through your own job and have not accepted it, you may not be eligible to stay on parent’s plan.</p>
<p>There was a thread about this recently. Some posters found their company did allow their kid to stay on the plan in these circumstances. Some I think had just assumed their kids could stay on the plan. The person who started the thread found out his company would not allow his son to stay on the plan as he was eligible for his own company’s plan (in fact his company said that any claims paid by the plan since the son had had his job would have to be repaid - fortunately there were none).</p>
<p>It is a complicated situation with different rules depending on whether the plan is grandfathered in under old rules or not. It is very important your parents check with their plan as you don’t want to discover once you make a claim that they will not pay it because you are not eligible to be on the plan.</p>