Exploring Healthcare Options When Turning 26

Turning 26 marks a significant milestone for many young adults as it often means transitioning out of their parent's health insurance coverage. Below are a few key healthcare options to consider when you turn 26.

Employer-Sponsored Health Insurance

If you have access to employer-sponsored health insurance, this can be a valuable option. Many employers offer health insurance benefits to their employees, including those who have recently turned 26. Explore the coverage options provided by your employer.

Medicaid

If your income falls below a certain threshold, you may be eligible for Medicaid, the joint federal and state program that provides free or low-cost healthcare coverage. Fortuna’s platform helps you easily check eligibility and submit an application. 

Click here to check your eligibility.

Health Insurance Marketplace

If you are not eligible for employer-sponsored health insurance or prefer to explore other options, consider enrolling in a health insurance plan through the Health Insurance Marketplace. Turning 26 qualifies you for a Special Enrollment Period, allowing you to sign up for coverage outside the standard enrollment period. Once you choose a plan, you’ll be responsible for paying the monthly premiums for health insurance. 

Need help enrolling in a marketplace plan? Get help picking a plan with one of our enrollment partners.

Catastrophic Health Plans

If you are under 30 years old, you have the option to enroll in a Catastrophic Health Plan through the Health Insurance Marketplace. These plans typically have lower premiums but higher deductibles and are designed to provide coverage for severe health emergencies rather than routine care. Consider this option if you are relatively healthy and primarily want coverage for major medical expenses.

For assistance determining your Medicaid eligibility, click here.

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