The third major benefit that may change when you turn 18 is from private insurance companies. You may have group health coverage through a parent’s job. For example, your mother may have a health plan through her employer. This plan might allow her to include you on the policy. This means that your mother, her employer, or a combination of the two will pay a monthly premium to the health plan. In return, the plan will help you pay for services like doctor visits and medications. Most plans have a cut-off date when coverage for children will no longer be allowed. In California, most plans stop covering children when they turn 19, unless they are going to college, in which case they can be covered until they turn 23. The specifics vary from plan to plan. Your parent’s plan may no longer offer coverage when you turn 18. Your parents should ask their human resources manager when their plan will stop covering you. In California, a group health provider can’t drop you from their plan if you remain a dependent and are disabled.