<prompt> Human: Im 21, live in Michigan and at this point Im wondering if its smarter if I go on my own carhealth insurance now, or if I should wait it out on my parents plan? Im unsure if either way Im going to be screwed or if by the time Im kicked off my parents it wont be like 400 a month.  <response>: If you have younger siblings, its possible your parents are not even paying extra for you. Some insurance plans cover kids of employee regardless of the number of kids to an extent 