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View Diary: Another election, another Obamacare 'showdown' (106 comments)

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  •  It was never "illegal".. (0+ / 0-)

    .. for parents to pay for their young, adult children's health insurance. .. for less than the combo of extra taxes/mandates/premiums, that the ACA brings..

    •  It's much cheaper to add a dependent (9+ / 0-)

      on the parents' employer-based policy, than to a pay for a separate individual (read: crappy) policy for the child.

      (-2.38, -3.28) Independent thinker

      by TrueBlueDem on Thu Jul 25, 2013 at 10:28:02 AM PDT

      [ Parent ]

    •  Not true (10+ / 0-)

      Having been through this -- covering a child who had aged out of family coverage was NOT inexpensive; it was COBRA coverage, and cost like $500 a month -- and that was ten years ago when my kids graduated from college.

      You seem to have absorbed the mythology about how much the ACA is going to cost in "taxes/mandates/premiums" -- on the contrary, for everyone under $200,000 a year in income (which means most people in their 20s and 30s and on up), there are no new taxes and significant subsidies available.

      •  Either COBRA coverage (3+ / 0-)
        Recommended by:
        cocinero, TrueBlueDem, 1Nic Ven

        Or else some catastrophic care coverage that costs less than COBRA but more than most young adults can afford.

        Just because the government keeps a record of real property transfers, it doesn't mean that the government wants to confiscate your home.

        by NCJan on Thu Jul 25, 2013 at 11:28:38 AM PDT

        [ Parent ]

      •  Not only that, but (4+ / 0-)

        if a family has to pay extra taxes (income of $200,000 or more) they can pay either the mandate (penalty) and still be without insurance or for insurance coverage - not both.  If the family pays insurance premiums, they will not be paying the penalty for avoiding the mandate.  Those families who earn less than $200,000 will not be paying extra taxes and can choose to pay the mandate penalty  - and remain uninsured - or pay for insurance.  And depending on how much less than $200,000 they make, they could be eligible for subsidies for the cost of their insurance.

        RweTHEREyet is being extremely disingenuous by claiming all three costs would affect any family.

        "In this world of sin and sorrow there is always something to be thankful for; as for me, I rejoice that I am not a Republican." - H. L. Mencken

        by SueDe on Thu Jul 25, 2013 at 11:35:27 AM PDT

        [ Parent ]

        •  I didn't mean all three at once... (0+ / 0-)

          .. I meant all the costs that will pop-up and GROW, as the ACA settles in..  All this extra coverage doesn't just happen 'cause a law is signed.. it's gonna be paid for.. one way or another.. meaning re: up-to-26 coverage, it's nothing new or special.

          For reference.. when I was a young, uninsured adult; my parents bought me high-deductible, catastrophic coverage (about $200/mo now, for a 21 year old), and planned to help (if needed), pay for basic services, out of pocket.

          IOW.. the "forced" additional coverage doesn't amount to any advantage considering all the other ACA costs, coming down the pike

          •  The extra coverage means lower costs (1+ / 0-)
            Recommended by:
            SueDe

            Lower costs are derived from insuring a larger and younger and healthier pool.

            That's why insurance companies bought in in the first place.

            Just because the government keeps a record of real property transfers, it doesn't mean that the government wants to confiscate your home.

            by NCJan on Thu Jul 25, 2013 at 05:04:42 PM PDT

            [ Parent ]

          •  Hand that "it's nothing new or special" (1+ / 0-)
            Recommended by:
            NCJan

            line to people who couldn't afford to insure their children (if needed) past their 18th birthday.

            "In this world of sin and sorrow there is always something to be thankful for; as for me, I rejoice that I am not a Republican." - H. L. Mencken

            by SueDe on Thu Jul 25, 2013 at 10:19:09 PM PDT

            [ Parent ]

          •  One problem with that... (0+ / 0-)

            ...is for young adults with pre-existing conditions, who would not be ABLE to buy individual insurance policies on the open market, separate from their parents. I've got a genetic disease, so I would have just been screwed if I hadn't been able to be on either a) a parent's group plan that couldn't refuse me, or b) in my own group plan through work (I ended up going to grad school, and getting group insurance that way, but lots of young adults who don't do that can't immediately get a job straight from college that provides them group insurance benefits). So what would you suggest people in that situation do, absent the protections in the ACA (like the option to stay on parental insurance, or to buy insurance on the exchanges)?

            Your whole premise here seems to assume that all young adults COULD buy insurance affordably on the individual market, and that none of them have preexisting conditions that would have made that problematic prior to the ACA. Your premises are false.

            Covering young adults, BTW, is quite cheap for insurers, as they are a pretty low-risk group, statistically. So closing the frequently seen "gap" between parental insurance and employer-based insurance for people has a huge benefit to society for a relatively low cost. So this particular part of the ACA is pretty much a no-brainer, except apparently for Republicans...oh wait...

    •  Not illegal but not offered (5+ / 0-)

      Although it was not "illegal" for parents to cover young adults under their (employer-sponsored) health care plans, few insurance companies offered it--

      that is until certain states, and then Obamacare, told them that they had to.

      Just because the government keeps a record of real property transfers, it doesn't mean that the government wants to confiscate your home.

      by NCJan on Thu Jul 25, 2013 at 11:26:54 AM PDT

      [ Parent ]

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