I don't see a problem with it. I didn't have health insurance through the bit of college I went to, because I had to declare myself an independent student to be able to afford college at all. So my mother couldn't claim me as a dependent on her taxes, and therefore I had no insurance. She would have covered me until I was 24, though. And my mother paid my car insurance until I was 22, because it was cheaper than me paying for my own policy. She would have paid longer, but when I got my "new" car it was in DH's name.

On the other hand, I know a girl I used to work with. She's 23, and has two children. She works part-time, because she's a mother - fair enough. But she goes to school, and is drawing it out as long as possible so that she and her kids can stay on her mother's insurance. The kids have different fathers, and she has no interest in settling down with either of him, and she spends a considerable amount of her money on alcohol and cigarettes. I do not judge her for the single-mom bit, and I don't think she should settle down with someone she doesn't want to be with just because she got pregnant. But I do think that if that was MY child, I'd kick her butt to the curb and tell her to quit smoking and buy her own dang health insurance.. and diapers.