Under the Affordable Care Act, you can stay on your parent's health plan until you turn 26. Once you age off, you have a 60-day Special Enrollment Period to secure new coverage without waiting for open enrollment.
Your SEP begins on the last day of the month you turn 26 and lasts 60 days. Miss it and you'll have to wait for the next annual open enrollment (November 1 – January 15 on HealthCare.gov) — risking a months-long coverage gap.
Medigami's free Age-Out Shield tool compares your options side-by-side using your actual income and zip code, projects annual out-of-pocket costs, and flags Medicaid eligibility you may not realize you qualify for.
Educational information only. Not legal, medical, or insurance advice. Statutes, deadlines, and eligibility thresholds vary by plan type and state — consult a licensed attorney, state-certified insurance counselor, or nonprofit patient advocate about your specific situation.
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We check any medical bill against standard Medicare rates and flag overcharges, duplicates, and billing mistakes — in about 60 seconds.
Built for fertility patients: we check every line of an IVF bill, flag low-value add-ons, and include a cost estimator that uses your state's rules plus a clinic finder.
Educational tool — not legal, medical, or billing-counsel advice. Treatment and appeal decisions remain with you and your physician / counsel.