In the past, graduation was characterized by the expectation of facing the real world. This includes getting health insurance - too high a cost, whether to buy it and whether it really is necessary. In September, when the first part of the health care reform came into effect, the anxiety of many young graduates was calmed down. According to the Patient Protection and Peace Price Medical Act, young people can now stay with their parents. The health insurance plan is up to 26 years old.
Before the landmark bill was signed into law, many young people did not have insurance after graduation and could not pay for expensive insurance. Experts say that the myth that young adults like "invincible" have never been sick is generally not the main reason for the lack of coverage. On the contrary, young people face the same reasons that other uninsured people do not have health benefits: they do not have enough money to buy insurance, or their employers do not subsidize or provide insurance.
Robin Jordan, who graduated from Indiana University Bloomington in 2007, was interrupted by the 2008 Writers' Guild strike and found himself uninsured. She found that she needed work, mainly for insurance purposes.
Jordan said: "If I can continue to retain parental insurance before the age of 26, I believe my career choices will take more risks." "I have vision problems, so eye insurance is very important to me. If I can pass My parents' insurance, I may consider more freelance or temporary work, which is more beneficial to my ultimate career goal, then the entry level I have done."
According to the new regulations, regardless of whether parents have parents or not, their school status, regardless of whether they are married or financially dependent, are eligible for dependent insurance. For employee programs that existed prior to enactment, young people are eligible for dependent insurance only if they are not eligible for employment-based health insurance.
Jill M. Klingner, assistant professor of medicine and operations management at the University of Minnesota, said that adding young, healthy insured people will balance the current insured.
Kleiner said: "The [Affordable Care Act] allows young people to play creative career choices." "They are young and healthy, so they should increase their health insurance to balance the current insured."
According to the Census Bureau, the uninsured tax rate for the 18 to 24 year old population rose from 28.6% in 2008 to 30.4% in 2009. Young people who have just started their careers and fresh graduates usually have low-pay jobs - part-time, entry-level or temporary positions.
The cost of insurance options such as COBRA [as the total monthly premium paid by working employees and the amount paid by your employer and management fees] is often too expensive for young people. Student loans, rents, car payments, and daily living expenses all seem to be at the forefront of priorities, because life is not lacking concerns about impending accidents and illnesses.
If people over the age of 20 are generally healthy and have no money, they are more likely to give up insurance. However, is this also a fantasy of all young people's health? Chronic diseases such as arthritis, cancer, diabetes, heart disease and high blood pressure are found in 15% of young people between the ages of 18 and 29. Half of young people are considered to be above normal weight and 24% are considered obese.
These young people are more likely to go to the emergency room because of injury-related visits, more than any other age group. This has brought enormous problems to the country's highest uninsured population. According to a 2009 Commonwealth study, "more than one-third [35%] of the young people surveyed, whether insured or not, reported problems with paying for medical expenses, including payment problems, and being contacted. Because they are unable to pay their bills, they significantly change their lifestyle to pay for medical expenses or to repay medical debt over time.
Choosing to stick to your parents' health plan seems to be the easiest option. However, for families affected by the current economic turmoil, the cost of keeping children covered may also create financial problems. According to the US Department of Health and Human Services, continuing to raise children will increase household insurance premiums by an average of 7%.
According to the New York Times, "the health department estimates that the average cost per new registrant in 2011 was $3,380, in 2012 it was $3,500, and in 2013 it was $3,690."
The current high unemployment rate has exacerbated the difficult transition from childhood to adult responsibility and increased the high expenditures of their parents. Health insurance. Families with the largest decline in median household income ranged in age between 15 and 24, with a 4.4% decline in age.
For young people with lower imports, short-term health insurance may be the best option. With preventive care options, prescription drug benefits and low deductible services, a minimum monthly payment of $30 can alleviate the pain of high premiums. Medical and hospital compensation plans are also limited, covering more catastrophic conditions. All three health insurance plans are worth considering because people over the age of 20 are able to pay for the costs they may sometimes go to see a doctor, rather than unknown hospitalization or more serious medical costs that could cause economic damage.
Orignal From: 20-year-old health insurance
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