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Old 05-04-2013, 06:17 PM
 
Location: Palo Alto
12,172 posts, read 7,018,906 times
Reputation: 4174

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Quote:
Originally Posted by mb1547 View Post
How do you know that those 18 - 26 year olds aren't reimbursing their parents for their insurance costs? What makes you think they're living with their parents, or that their parents are supporting them in other ways? Adding (or keeping someone) on your family insurance plan is a lot less expensive than trying to take out a policy on your own, which is what those early 20 somethings would have been faced with if they have a low paying job right out of school that doesn't provide health coverage.
Less expensive to who?
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Old 05-04-2013, 06:25 PM
 
Location: Foot of the Rockies
86,884 posts, read 102,281,764 times
Reputation: 32946
Quote:
Originally Posted by TrapperJohn View Post
Less expensive to who?
It's less expensive than a 20 something buying an individual policy. We've priced them, and my daughters were on them before this law.
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Old 05-04-2013, 06:28 PM
 
1,127 posts, read 771,535 times
Reputation: 329
My wife is on my health plan and I don't consider her a child.
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Old 05-04-2013, 07:16 PM
 
Location: Palo Alto
12,172 posts, read 7,018,906 times
Reputation: 4174
Quote:
Originally Posted by Katiana View Post
It's less expensive than a 20 something buying an individual policy. We've priced them, and my daughters were on them before this law.
Is that fair to society? You guys are all about fair.
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Old 05-04-2013, 07:19 PM
 
11,780 posts, read 8,563,881 times
Reputation: 3425
Quote:
Originally Posted by TrapperJohn View Post
Is that fair to society? You guys are all about fair.
Do you have some reason to think 18 -26 yr olds are getting sick in droves? Universities don't provide insurance in the tuition and part time work doesn't offer insurance (usually)..
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Old 05-04-2013, 07:25 PM
 
Location: California
30,513 posts, read 33,327,796 times
Reputation: 25987
Quote:
Originally Posted by Jolly Green Giant View Post
My wife is on my health plan and I don't consider her a child.
Even better, I'm on my husbands and he left 2 years ago. Until the divorce is final I'm taking advantage of his employer sponsored group insurance.
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Old 05-04-2013, 07:29 PM
 
Location: California
30,513 posts, read 33,327,796 times
Reputation: 25987
Quote:
Originally Posted by Katiana View Post
It's less expensive than a 20 something buying an individual policy. We've priced them, and my daughters were on them before this law.
Not always. Especially if anyone has a "condition". It all depends on who you are, where you live, how much your employee charges you for insurance, and a bunch of other stuff.
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Old 05-04-2013, 07:32 PM
 
1,127 posts, read 771,535 times
Reputation: 329
Quote:
Originally Posted by lycos679 View Post
Do you have some reason to think 18 -26 yr olds are getting sick in droves? Universities don't provide insurance in the tuition and part time work doesn't offer insurance (usually)..
statistically speaking, they are much healthier than other groups.
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Old 05-04-2013, 07:39 PM
 
Location: Foot of the Rockies
86,884 posts, read 102,281,764 times
Reputation: 32946
Quote:
Originally Posted by TrapperJohn View Post
Is that fair to society? You guys are all about fair.
What's "unfair" about a 26 yo being on someone else's insurance policy? Many spouses younger than that are on someone else's policy. The policyholder is the one who is being charged, not the taxpayer.

Quote:
Originally Posted by Ceece View Post
Not always. Especially if anyone has a "condition". It all depends on who you are, where you live, how much your employee charges you for insurance, and a bunch of other stuff.
You think it's sometimes cheaper for a 20-something to get their own policy? I seriously doubt it!
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Old 05-04-2013, 07:47 PM
 
10,115 posts, read 6,975,246 times
Reputation: 3408
Quote:
Originally Posted by TrapperJohn View Post
Is that fair to society? You guys are all about fair.
What do you mean "fair?" The insurance companies love it, because they're getting a bunch of new customers in a very low risk bracket that they would normally not have, because many 18-26 year olds simply went without insurance before the law was passed. Parents love it because they don't have to worry about their young adult children, and 18-26 year olds love it because they can purchase affordable insurance now through their parent's coverage. I don't personally handle the insurance we have for the businesses, but we have a number of families taking advantage of the program through the health coverage we offer (my 20 year old is on our plan as well), and my understanding is that it increases our group size by adding lower risk dependents, helping us to negotiate slightly lower rates per individual. It's a win win for everyone involved.
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