<prompt> Human: So I might be misinformed but I thought I could be on my parents insurance until I was 26 for free. From what shes telling me it would be more expensive to add me on to my fathers insurance than it would be for me to purchase my own on Healthcare.gov. This doesnt seem right to me but I cant find anything specifically about this. Thanks in advance, sorry if this is a stupid question.  <response>: Mom is correct.You are eligible to be covered under your parents insurance. But its not free. Many employer plans will deduct the charge for dependent coverage from the parents income. So the marketplace may well be cheaper than the employer plan.Please be aware that if your parents claim you as a dependent, you cannot get a subsidy for marketplace coverage.Knowing that, is marketplace coverage still cheaper than 300mo? 