<prompt> Human: Im really confused on how this works. I gave healthcare.gov a call and they told me that if my parents want to keep me under their health plan until I turn 26 they would need to file me as a dependent on their tax return. This would mean that my income would be combined with my mom and dads. I make about 50k a year and with their income alone they get health insurance for about 200 a month including me at the moment and its an individual not through an employer subsidized plan. I just got a job straight out of college a month ago and after using this calculator: it says that our insurance rate would go up to 2000 a month. I feel like thats outrageous. My parents dont make that much 40-50k combined but having our monthly rate go up from 200 to 2000 doesnt make sense. Should I just go with my companys health insurance? I thought the whole point of staying under your parents health insurance was to save money. Really confused on how all this works.  <response>: You are not eligible for a subsidy at all if your company offers affordable health insurance. Take the insurance through your company, group health plans are almost always richer benefits than individual plans anyway. 