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<p>Actually, I should rephrase that. It costs <em>more</em> to keep an unemployed adult child on one’s family plan, than sending him out to get subsidized coverage.</p>
<p>Okay, well CA had the medicaid expansion, I’m pretty certain.</p>
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<p>Why would there be no subsidies?</p>
<p>Let me give you an example. Two parents aged 55 and 54, with income not eligible for subsidies, each pay $380 and $363 for the cheapest Bronze plan. Add their unemployed 19 year-old son, and the premium goes up by $108.</p>
<p>But if the unemployed son applies on his own, he gets Medi-Cal. Or if he is not unemployed, but his income is low-enough, he can get the same plan as his parents for less than $108.</p>
<p>So why put him on the family plan at all?</p>
<p>In some cases, the kid should be separate from the parents plan. MaineLonghorn and I are going to look into this.</p>
<p>Not every 23 year old is going to be subsidized. </p>
<p>I believe medicaid is not always free and your providers are limited. There are rules. I think where I live Kaiser is helpful. This is what I have been told by people that are associated with Kaiser.</p>
<p>But only 29 states agreed to the Medicaid expansion. Residents of other states, which include Florida and Texas, are out of luck.
[Beyond</a> the pledges: Where the states stand on Medicaid | The Advisory Board Daily Briefing](<a href=“Where the states stand on Medicaid expansion”>Where the states stand on Medicaid expansion)</p>
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<p>If that 23 year old is not subsidized, then s/he has a good paying job. Her premium will be exactly the same on her own as the premium added to her parents plan if they are unsubsidized.</p>
<p>Perhaps what one could do if they were an unsubsidized 23-year-old, is tag along with subsidized mom and dad. That would be beating the system. That doesn’t seem right.</p>
<p>“Let me give you an example. Two parents aged 55 and 54, with income not eligible for subsidies, each pay $380 and $363 for the cheapest Bronze plan. Add their unemployed 19 year-old son, and the premium goes up by $108.”</p>
<p>Are the above numbers real? Where is this in CA?</p>
<p>Edit… Bay, nevermind. Look at out of pocket maximums too.</p>
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<p>You can see numbers like that, but not in the population centers. That is, the premium for that couple would be around $750 in places like Redding and Eureka, where nobody lives. But in the big population areas-- the Bay Area, Sacramento, Los Angeles and San Diego-- forget it.</p>
<p>:).</p>
<p>Ok CF. Makes sense.</p>
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<p>I thought that was because those states already had high risk pool coverage.</p>
<p>Sorry, I don’t want to say where I live, but I got those numbers off of Covered California. The point I was making wasn’t about those particular numbers anyway. It was about how adding your adult child can actually cost the same or more than having them get their own coverage.</p>
<p>No. Under the Affordable Care Act, the Medicaid expansion was mandated by the federal government which will pay 100 percent of the costs for 3 years and 90 percent of the cost thereafter. The Supreme Court ruled that the fed. government couldn’t mandate it. 29 states agreed to do so. The remainder did not.</p>
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<p>Ok I just did, but I still see no benefit to being on your parents plan.</p>
<p>Ok Bay, but do you understand out of pocket maximums may rise if kids go out on their own?</p>
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<p>Yes, I know, but I thought the reason they didn’t want to was because they already had their own similar form of coverage.</p>
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<p>??? Medicaid is for poor people and disabled people. The Medicaid expansion expands Medicaid to cover more poor people. What does that have to do with high risk pool coverage?</p>
<p>I don’t know but I’m sure you will tell me. ;)</p>
<p>Bay, if you have two parents, the out of pocket maximum cost where I live is 12,700. If I add a kid or two kids, I havent tried 3 kids :), my out of pocket maximum cost is… 12,700.</p>
<p>Try this yourself. Try you and your spouse. Then add a kid or two to your plan.</p>
<p>dstark:</p>
<p>Sorry to hear about your daughter. I hope things work out for you and she has a full and speedy recovery. Your PM box is full.</p>