<p>More expensive for young people, cheaper for old people, because it’s not age-adjusted.</p>
<p>COBRA for my son was about 20% more than a mid range plan before ACA and I could not even assess every point on that plan as to how it compared. Very difficult to do. The cheaper plans, I could see were not comparable, not close, and my state had high standards on this even before all of the ACA provisions had to be included. Within a month after ACA market was revealed, the cost of outside insurance plummeted. I was able to more easily do a comparative check as well. He actually has better coverage than had I gone the COBRA route with him. And I don’t know how that would have worked since DH has changed over to a whole other insurance this year. What happens when you get COBRA and then the person who had the insurance from which you spun off, drops said insurance, leaves the company, company drops the insurance, the insurance options change? I’m glad I didn’t have to deal with all of that. It was very easy, he has good coverage and it hardly costs anything as it’s turned out.</p>
<p>Except when I worked briefly parttime for Caltech and when I lived in Germany I’ve never had a job with health insurance. I never thought about it when I graduated, though I believe I was in fact covered by my parents (State Department) health insurance beyond college. The best thing about the part time Caltech job was that it gave me health insurance (at $12 a month!) for the rest of my stay in CA. Since then I’ve always been on dh’s plan. Thank heavens for him. Older son got a job with health insurance straight out of college. We will be happy to cover our younger son for as long as necessary on a family plan.</p>
<p>The individual market on the EXCHANGES is very different. It is usually state specific. We elected NOT to go through the exchange for DD. Her subsidy would have been very small. She has an anthem individual policy with and blue care (is that the name of it?) that has covered doctors in places other than our home state. </p>
<p>Our employer coverage is about the same as what DD has. </p>
<p>Our other kiddo has a United Health Care individual plan. It works now, but it is a grandfathered plan and will go POOF at the end of this year, unless that is extended, and UHC continues it longer. If not, a shopping we will go…again. </p>
<p>I would scrub floors so my kids could have health insurance. </p>
<p>Pick graduated from college when the dinosaurs roamed. My dad INSISTED that we have coverage at all times. I graduated from college in March, but my real job didn’t start until September 1. He insisted that we buy me a short term plan to cover the six months between going off the family plan and having my own. </p>
<p>It’s a legacy I have passed on to my own kids!</p>
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<p>If fairness if your goal then it would be hard to support government paid-for subsidies on health insurance. Though, as is obvious, fairness isn’t the goal, order is, and Obamacare is more orderly. Or, perhaps even more fair, stop the anti-competitive practices in the interactions between Healthcare organizations and Insurance companies so that what the insurance company+customer pays is the same as an customer pays without insurance, so not having insurance isn’t as detrimental. </p>
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<p>Sure, people say this all the time. Now, why should a cancer survivor have cheap insurance? They are a higher risk than a member of the general public, the expected cost of hospital services rendered to them in any time period is higher than a member of the general public, so why shouldn’t their insurance be more expensive? </p>
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<p>I looked and it’s amazing to me how much my employer pays for health insurance. They pay like $250 a month and we pay $50. I don’t actually understand why don’t they just go all the way and pay that extra $50/month. That way they could advertise that they offer free health insurance. </p>
<p>“I have better insurance and it is free.”</p>
<p>“Free”? oldfort; What do you mean?</p>
<p>Dragonmom says above (ohhhh for a post #…)
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<p>H and I were also married before we graduated…it wasn’t until JUST THIS SECOND that I thought about the health insurance implications! I guess…we didn’t have any! We were married in May, I started my first job in late December. Huh. I guess we had no coverage for 7 months. Never gave it a second thought!</p>
<p>My employer pays 100% of premium. We could go out of network with low deductible.</p>
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<p>So if a cancer survivor can’t afford the very expensive insurance, then what? They should go pound sand for their healthcare?</p>
<p>^ They’re not deserving of health care if they can’t afford it LasMa. </p>
<p>(Now if you’ll excuse me, I need to go shower after that statement. Unfortunately, it’s a sentiment that many in our country legitimately have.) </p>
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<p>We live in Illinois and D2 (now 25 and with a history of asthma) lives in LA. She has not had any problems finding providers with our BC/BS PPO policy through H’s employer. I know, because we still get the EOBs sent to our house. </p>
<p>The point about that strategy not working was referring to Obamacare plans. </p>
<p>As long as S2 is still in college we will continue to also cover S1. (cost is same for 2 kids). But once they are both working in jobs with good insurance benefits…out they go!</p>
<p>Our kids have been covered by H’s BCBS plan until they age out at 26. In that time, S has lived in VA and has full time employer who offers health coverage but S didn’t use that plan until after he turned 26. D in CA is also covered. Both have received covered medical benefits many times since graduating college and moving from HI. </p>
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<p>They do whatever people do when they can’t afford something they want. No one ever objects to the fact that people with several accidents pay more for car insurance, why should anyone object to the fact that someone with health problems pays more for health insurance? </p>
<p>Because no one needs a car to live.
You need medicine to live if you have cancer. Meds are not affordable to 99% of the population without insurance. </p>
<p>We claim to value life in this country. </p>
<p>Vladenschlutte, and what if they can’t afford the premium at all? They should just die? </p>
<p>Post duplicated all by itself. …</p>
<p>I love the argument of either we have Obamacare or we just let people die. If this is not an example of sophistry, I don’t know what is.</p>
<p>It would be nice if this thread could stay on topic, meaning the “impact of change in insurance coverage to age 26 for adult children”, rather than general discussion about Obamacare which appears to get political fast and thus gets closed down.</p>