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... Which would mean she would be covered if she were actually 22. But she's not. She's 27 and she's cis.

Yeah, I'm getting mine out this week and with insurance I'm looking at a $610 co-pay. She's probably inflating the price so she'll have money left...

In the US you can stay under your parent's insurance until you're 26. I recall something about special circumstances extending until age 28, but I...