As a full-time, 23 year old student, should I be covered under my parent's health insurance? I am a 23 year old, full-time graduate student. I currently have no health insurance, as my parent's insurance company says that they are not required to cover me until January 1, 2011. Is this true? My doctor says that the insurance company is trying to screw me, and that as a full-time student, I should be covered right now (without having to wait until January).