You'll need to do more than make a wish for good health when you blow out the candles on your 26th birthday. If you're among the millions of young adults who have stayed on their parents' health insurance plans, you'll need to find new coverage. The Patient Protection and Affordable Care Act lets a young person stay on a parent's health plan up to age 26. Whether the coverage ends on your birthday or at the end of the policy year depends on the plan. "Most plans are at least extending it to the end of the month or to the end of that policy year," says Steve Wojcik, vice president of public policy for the National Business Group on Health. As your 26th birthday approaches, your parent should contact their employer's human resources department to find out when coverage will end. "It's important to plan ahead instead of waiting until the last minute," says Martin Rosen, co-founder of Health Advocate in Plymouth Meeting, Pa., a service that helps individuals and employers navigate the health care system. Here are health insurance options to explore when you're kicked off a parent's plan.