Your dad can more than likely remove you from his Aetna health insurance coverage regardless of whether your mom is covered or not.  It is usually the prerogative of the policy holder who to choose as dependents.  However, his Aetna health plan can only be changed during the Open Enrollment period.  By that time, if your dad decides to cut your coverage from his insurance this is going to be easy for him.  This could mean less cost for both your father and his company.  Moreover, he doesn’t have to wait for Open Enrollment to make changes on his Aetna health plan, granted that there eist a ”qualifying event”.  This “qualifying event” is just a matter of denial of your father to recognize you as an eligible dependent.  Staying out of college and eceeding the eligible age as set by the policy (usually from 18 to 23 years old) automatically disqualify you as a dependent in your father’s Aetna health insurance. Since you’re about as close to that age margin, you should start planning already your own health insurance.  You may consider checking the provided student insurance of your school.  Otherwise, you might end up with no health coverage at all. However, staying on your parent’s health insurance coverage is about the cheapest insurance that you can get.