MOST STATES allow kids to stay on their parents’ health coverage until age 26. Yet even before that age, many young adults go without. Nearly half of American 19- to 34-year-olds skipped coverage in 2022, according to the Commonwealth Fund. That’s often because they assume health insurance is unaffordable, says Laura Adams, spokesperson for personal finance site Finder.com. But there are affordable plans out there. In case your child is uninsured, or about to be, we’ve tracked down some advice.