[quote=12thMan;677952]
Quote:
Originally Posted by firstdown
Thats the I'm a looser clause in the bill because full time students can allready stay covered under their parents policy until they are out of school. So these are probably the kids who are not going to school and are not working because if they had a job their employer would have to pay for their health coverage and play mommy and dady. Just think of those anti drug comercials and the mom yelling up for the guy to get a job while he is smoking a joint in his bed room.[/QUOTE/
Well it's not that cut and dry. This is one of the largest segments of uninsured in the country right now. I believe it's about a third; that's a lot of people. In fact, many of these kids are working full time jobs, they just can't freaking afford health insurance. Especially the ones who have recently graduated from college. Currently the age limit will vary from state to state, but for most states the cut-off is 18/19 yrs old.
So this provision will take a huge chunk of the uninsured that show up in emergency rooms or that need medical care and provide them coverage almost immediately.
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Getting kicked off the parents policy at 18 to 19 is if they are not full time students. Premiums for a 19 yr old range from $50 to $140 depending on the type of policy they purchase. They sure seem to be able to afford cell phones which would by them a policy. I'd say most are like I was back when I was younger and feel they don't need health ins. because they don't have health issues.
I have a sales person who sells supplemental ins policies to employees of different businesses (think Aflack the duck but our product is better and cheaper). She will tell me right up front if its a business where most employees are under age 30 don't waist our time because they just don't buy these products. She then explains that most if they have the choice to either pocket the money or have the employer provide health ins. a large % put the money in their pocket. She has 25 yrs in the supplimental and health ins. field working on the front line so she knows what she is talking about. Yes there are some who just cannot afford it but that % is low.
Now that I think about it when my oldest was born back in 1985 I had no health ins and paid the doctors and hospital in cash/check. I had it all paid $2,000 before she was born but my X need a C section which cost another $2,000 which I paid the hospital in payments.