Q&A: How to find affordable healthcare insurance

Dear Liz: I am 25 and work two part-time jobs, neither of which offers health insurance. Once I’m 26, I will no longer be able to remain on my parents’ policy. Do I need a full-time job to receive health benefits, or do I have other options?

Answer: You currently have other options, but you may still want to look for a full-time job that offers this important benefit.

Although a Texas judge ruled the Affordable Care Act unconstitutional, the law giving people access to health insurance remains in effect while legal challenges play out. You can start your search for coverage at www.healthcare.gov. The open enrollment period for most people has ended, but some states including California have extended the deadline to Jan. 15. In addition, you would qualify for a “special enrollment” period once you turn 26 and lose eligibility for coverage on a parent’s plan.

If the ACA does go away, health insurance may become harder to qualify for and more expensive. Group health insurance through an employer may become your best option.

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