Will I lose my health insurance?

mbrcatz got it right.

It depends on how your plan's eligibility is set up.

Some employers choose to set up dependent eligibility to require that a child be claimed as a tax dependent. The only way to know for sure what the rules are for your mom's employer plan is for her to check with her HR/benefits office.

I used to do dependent eligibility audits, and I have had to remove dependents from plans who weren't on the tax return. (As part of the audit, they had to show the 1040 tax form as proof.) However, this only happened for plans where the employer group had specifically stated in the plan that a child must be a tax dependent to be eligible.

When you file your own taxes, you're saying that you are responsible for more than 50% of your own support. (Which is also saying that your mom is responsible for less than 50% of your support.) That's why some employers have chosen to limit coverage for non-minor children to tax dependents only - because they only want to cover expenses for children who are still financially dependent on the parent for the majority of their support.

No one here will know for sure.

Some group health insurance plans are requiring dependents to be listed on the tax return of the subscriber, in order for them to be covered. Your mom will have to check with her HR department, or call the number on the back of the CIGNA card, to ask.

You shouldn't lose your taxes if you file insurance. Some insurance companies decide coverage based on the dependent's age and/or whether the dependent is still in school. For example, I was on my dad's insurance (blue cross blue shield) until I was 21 (that's when i graduated from college.) I would just ask the insurance company.

Most insurance drops all folks at 18 or 19 if not enrolled in school FULL TIME......so if you are not it will be gone anyway......I wouldn't think taxes would be an issue....AS LONG AS YOU ARE A FULL TIME STUDENT.

Your insurance will expire on your mothers account when you turn 18. If you go to college, it will expire when you turn 24. You will have to show proof each year that you are attending college to keep it in force.