Does using parents health insurance make me dependent?

I am 23, and using my moms health insurance for school. I have paid all of my own taxes federal and state, but I am not getting an economic stimulus check because I am considered dependent. I am also over 19 so my parents didnt receive the money either. Why doesnt myself or my parents get my money, and why did i have to file taxes on my own if i am still dependent. I am sorry if this is simple, but I am confused and broke, trying to pay for school...

Being a dependent on your parent's health insurance plan is only allowed because you are a dependent of your parent's according to their tax return (not the other way around).

Of course some insurance companies make exceptions and there are small differences from company to company but generally speaking this is the case.

Most plans will force you to purchase your own health insurance plan at age 24 or 25 even if you are a full time student so you should make sure that you keep your health insurance coverage up to date.

Here is some more information on finding a student health insurance plan:

As long as you are a student and your parents provide most of your support they can claim you, both making you a dependent tax wise as well as allowing you to be included on their insurance. If you support yourself almost entirely then you can file as an independent but that may eliminate your ability to have insurance through your parents policy. And you still have to file taxes whether dependent or not as long as you make over a certain amount each year, I think for independents it's around $7,000 and for dependents it's less than that.

What makes you a "dependent" is whether or not they marked the box on their tax return that states that you are a "dependent"...In the eyes of the IRS this is the only thing that matters. Talk to you parents about how they plan to handle this next year. They get a credit for having you as a dependent, and your taxes are higher because you are a dependent. So long as they continue to check this one little box, you will be considered such. In their eyes, so long as you are a student and they are supporting you, they will probably continue to claim you...and yes, even as a dependent you still hav to file your own taxes!

If you provide less than half your support, and if you live with your parents when school is out of session, then you are their dependent. It may seem like I'm splitting hairs here...you parents do NOT have to provide more than half your support.

This distinction is important: if you have government aid and scholarships, then that increases the chances that you don't provide more than half your support.

You are in that time of your life where you are growing up...getting on your own two feet, so to speak. You are capable of earning some income, so you should be less of a burden to your parents (financially, anyway) than you were 10 years ago. So they don't get an extra $300 added to their rebate.

But you don't earn enough yet to be fully on your own...and therefore don't get a rebate for yourself.

Health insurance isn't the key. The extent to which they support you is.

As far as filing a return goes, there can be only one exemption claimed for you. If you are a dependent of your parents, they get to claim it on their return. If not, you get to claim yourself on yours.

As far as the "rebate" goes, that's the way Congress passed the law: dependents over 17 do not qualify for the rebate.

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