My mother divorced my father when I was 3 and remarried when I was 5. My step dad adopted me, so my biological dad lost all rights and guardianship to me. He subsequently moved to New York. When I was 17 1/2 I graduated high school and came up here to New York to live with him. I am NOT a New York resident. I still have my car insurance registered with Florida, I still have Florida plates on my car, I still have a Florida license, and I still receive mail at my mom and adoptive dad's house in Florida. So I am NOT a New York resident. I am simply up here on an "extended vacation." I will be returning to Florida within 2 years probably. The thing is my 18th birthday was in May of this year, so as soon as I turned 18 my mom said I could no longer be covered by her health insurance. I was like, "All my friends are still covered by their parent's insurance", but she said that I moved out of state so I can't be covered...that I need to get my own insurance. I was like, "What about people who go out of state for college?" And she said that they are only allowed to stay covered because they are college students. She says she can't claim me, and since she can't claim me she can't keep me covered. I think this is bullsh*t, and that she is just trying to make things hard on me. I am not claiming myself, my bio dad is not claiming me, so why CAN'T she claim me??? And then why can't she cover me??? I read somewhere that as long as I am still dependant on my parents, they can still keep me insured. Is this true or false? Because even though she ISN'T actually supporting me (I've been supporting myself)...I still am not claiming myself so she could claim me.

Please answer this only if you know.
Additional Details
Hmmm...this isn't looking good lol. Damn, I really didn't wanna have to drop 5, 6 hundred bucks every 6 months for my own insurance like my mom was saying I would have to start doing. Oh well. So new question...anyone suggest a good company to go with?