Your parents can claim you on their health insurance policy up until you turn 26. If you have no income and your parents provide more than 1/2 of your support then they can claim you each and every year. Don't know what the insurance agent is trying to do but he cannot change the IRS tax laws. Your parents could decide to not claim you if they wish even if you are considered a dependent for IRS purposes and you don't have to file a return since you have no reportable income. You are only worth a max of $500 to your parents on their return if they file jointly (which they really should) so if you can get free insurance this may be worth it overall.
