Coverage on a parent's plan ends at 26 (the end of that month on most plans). That is a qualifying event: 60 days to enroll on CoverME.gov, and on an early-career income the subsidy often brings a Bronze or Silver plan under what a phone bill costs.
Nothing. Plan prices are set by the insurers and are the same with or without a broker; we are paid by the insurer when you enroll. You approve the application before it goes in.
All the 2027 facts