Most significant congenital heart conditions require lifelong monitoring and treatment by a cardiologist. That's why it's important to obtain and maintain adequate healthcare coverage with a policy that lets you see physicians with special knowledge of adults with congenital heart disease. In most cases, as you reach adulthood you won't be able to obtain health insurance through your parents' policy.
Generally, the best way to get coverage is through your employer's group health insurance. Most large companies will offer you group health plans at reasonable rates, despite your heart condition. Seek plans that don't have pre-existing condition clauses that may exclude coverage for your heart disease. If your heart condition is relatively complex, be sure your plan allows you access to a cardiologist who's experienced in treating congenital heart disease in adults.
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