Zinco got it or most. I think since two years ago anyone under the age of 26 as can still be on their parents insurance plan as opposed to the 21 cut off.
So I'm on my parents plan since why should they remove me if I can be on it. And I have a card I can use. But it's still their insurance so if I go to a specialist or doctor they don't approve of they can cut me off and I'll be left with the bills and no insurance.