This spring, many families are preparing for an upcoming graduation. As you or your loved ones get ready for this momentous and exciting occasion, I want to make sure you know about changes that allow children to remain covered under family health insurance policies until they turn 26 years old.
This is essential because it can be difficult for young adults to find health insurance. Many entry level jobs don't provide health benefits, and the jobs that do offer insurance often don't provide great coverage at an affordable cost. Additionally, some young adults simply don't think about health insurance or the need for it. As a result, young adults are persistently the least likely to have health coverage of any age group. This is a problem not only for young Americans without health insurance, but also for overall health care costs because they are more likely to forego preventive services and end up in the emergency room for more expensive care that drives up expenses for all of us.
This problem is improving. In fact, as of a year ago, roughly one-third of all young adults between the ages of 18 and 25 were uninsured. Fortunately, that percentage is steadily dropping as a result of this new benefit. Now 2.5 million more young Americans are covered by health insurance, including more than 27,000 in Wisconsin, and I want to make sure that you know the necessary details of the provision.
Children under the age of 26 qualify for this benefit even if they are married, not living at home, or not claimed as dependents for tax purposes. The provision extends to adult children whether they are enrolled full-time in school or not, and in most cases, parents can add children to their plan even if their kids are offered health coverage through their own employer. If you need additional information about health coverage for young adults—or for anyone else—I would encourage you to visit www.healthcare.gov. On this website you can also find additional information about other new protections and laws that hold health insurers accountable. For example, the new law also bans insurance companies from dropping young adults when they get sick or have an accident. And, for young adults in new plans there’s free coverage of key preventive services.
Proudly show your support for Governor Scott Walker, Lieutenant Governor Rebecca Kleefisch, and our fellow State Senators at a rally being held at Brookfield Square Mall this Saturday, March 24th from 4:00 p.m. to 6:00 p.m. For more information on this event, brought to you by the same grassroots team that organized the highly successful 'Celebrate Walker' rally, please visit the official homepage for the event here: http://www.facebook.com/events/307338025994069/ Hope to see you all there!!!
So what's your plan? Leave these kids exposed to financial hazard at a young age so right off the bat they are saddled with paying back any medical bills they incur?
This is a matter of spending money to save money. Rational people do it all the time. How do you like being the one county in the western world that spends much more money to get a lot less care and crappy results? You good with that?
What did you earn for that post James. Ten cents?
I only earned the satisfaction of knowing how you'll be thinking of all of us Walker Backers at the Square this entire weekend! First the AFP summit, then Walker Backers at the Square - what an awesome Saturday! I suppose you'll be spending the day brushing up on your drum banging and plastic horn blowing skills, as they're a little rust! @Mike - Yup, you guys are pretty good at showing up to protest in Madison, there's no doubt about it! Not to mention your side's affinity for providing China with a perpetual order of drums and plastic horns to use at those protests. While our side isn't very big on theatrics, we do tend to save our biggest rallies for election day, when we all rally to the polls! Cheers!
Nancy: Doesn't sound like you understand how all of this works. Forcing private insurance providers to increase coverage increases costs. Herb is directly responsible for this with his vote. I said forcing us all to buy a product as in if you do not have health insurance when this all kicks in you will have to purchase it or face fines or jail time. Keith: Personal responsibility and all. Spending $100 at the bar, monthly cell phone bill, TV bill, internet bill, car payment, etc instead of getting $115/mo insurance is a choice.
There will be affordable options for people at all income levels, with subsidies for people up to 400% of poverty. There's no excuse for anyone not to have health insurance. I also understand that my kids are very low risk subscribers. My insurer used to kick them off at age 18 unless they were in college. Once I get done paying for their additional coverage, which will amount to about 7 years at $300 a month, I will have given my insurer about $25,200 for their coverage and I'll bet they won't even spend $1,000 on healthcare between the two of them. My insurer will make out just fine in this particular deal.
The problem is that the whole system is corrupt -- employer-based with no obligation for employers to provide it, and insurance companies allowed to cherry-pick their customers to maximize profits and run up the cost for everyone else.
Medicare is something different, only available since 1965, and instituted because for-profit health insurance had become too expensive for older people to afford on their own. The situation has hardly improved. I'm so glad you have a work ethic. Just understand that some people never had the option of working -- that would include the disabled from birth and retirees. We're all paying the cost of everyone's medical care through higher hospital costs and insurance premiums. We might as well make it more efficient.
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