Obamacare

GOP Rep. Considers Bill to Allow Adult Children to Stay On Parents' Health Insurance Plans Until Age 31

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Here's how radical the GOP's class of crazy Tea Party freshman in Congress actually are: A Wall Street Journal article about conflicts within the Republican party about how to move forward should ObamaCare be repealed or struck down notes that Steve Stivers, a Republican Rep. from Ohio, is considering legislation that would force health insurers to allow adult children to stay on their parents' health plans until the age of 31.

Not even ObamaCare went that far: The president's health law only required insurers to cover adult children up to the age of 26. Previous estimates indicated that ObamaCare's requirement would add to the already mounting cost of health insurance premiums; extending the age to 31 would presumably add even more. 

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  1. I’m 23. Here’s a shocking truth that lawmakers should face: I’m not a kid anymore. If I want health insurance, I’ll buy it or get a job that offers it.

    1. Your brain is not developed enough to make that choice. Don’t question your betters, boy.

    2. But if they give you “Free” health insurance you’ll vote for them.

      1. I’ll actually actively vote against them if they do. Sadly, I’m more the exception than the rule.

    3. I’m 24 and can take care of myself as well. A problem exists for my girlfriend though – she is in a Doctor of Pharmacy program and makes less than 5 grand a year working as a pharmacy intern and she cannot afford her own insurance. I think a child should be able to stay on their parents health insurance until 26 (the age you would get a doctorate degree) ONLY if you have been continually in school and have never entered the work force.

      1. This is the thing with this law. IF you wanted to still be on a family policy while in school, you could always previously do that. This rule forces everyone to pay for it, and then the politicians and media act like there was no choice previously.

        1. Especially in states that hadn’t already fucked up their insurance markets, individual insurance for 20 something year olds is quite cheap. Comparable to an I-phone bill with data per month.

          1. It’s nowhere near an I-phone with data plan. An I-phone with a data plan is $99/month or under. In NC, a decent health insurance plan (PPO, not HMO or HSA) is around $200-$350/month (350 is eye, dental, etc) – which is considered very cheap. Back in NJ, that $200-$350 (4 years ago) was $500-$900/month. They simply do not compare. The cheapest, bare-bones plan I can get (not through an employer) in NC is right around $85/month. However, that has a $2000/year deductible before insurance pays even a dime. That means my monthly is actually $251 should I actually use it.

            1. t’s nowhere near an I-phone with data plan. An I-phone with a data plan is $99/month or under.

              yet:

              The cheapest, bare-bones plan I can get (not through an employer) in NC is right around $85/month.

              Which is less than your iPhone plan figure.

              However, that has a $2000/year deductible before insurance pays even a dime.

              Which simply means it’s actually insurance.

              1. Good job not copy/pasting my next sentence that said I was talking about PPO, NOT HSA – which is what hte $85/month plan is. And it is NOT $85/month if you actually go to the doctor.

                1. Not to mention, that $85/month plan has a 20% IN NETWORK co-pay, ZERO prescription, no dental, vision, etc. Meaning, if you actually go to the doctor, even only a few times or get a single prescription – it costs MORE than an I-phone with a data plan.

                  1. So the rest of us should pay for your girlfriend’s healthcare? Is that part of the fine print in the social contract?

                  2. Why would you buy insurance for dental or eye? You should know exactly what those costs are every year.

                    1. DaveAnthony: Why buy dental insurance? You are a libertarian – you surely piss people off on a regular basis. You chances of getting punched in the face are infinitely higher than most :-D. Grill work costs money.

                2. Shorter niob: Waaaaaaaaaa!
                  Hey kid, get the fuck off my lawn.
                  (Yeah, yeah. I know. This is why nobody takes libertarians seriously.)

                  1. So by me asking for Obamacare to be CUT BACK and LIMITED – I am asking YOU to pay for her health insurance. I think not.

                  2. Not to mention, everything I said in the above chain was just that YOU CANNOT HAVE A PPO INSURANCE PLAN IN NC FOR LESS THAN AN I-PHONE. Yet that gets converted to “I CAN HAZ YOU MONEYS”

                    1. Dude, you’re complaining that it’s more expensive than she can afford, and the only solution you’ll accept is for her parents’ insurance company to be FORCED to cover her. Explain to us again how you’d like to roll back ObamneyCare.

                    2. Because before ObamneyCare a 26 year old, still a DEPENDENT and IN SCHOOL, was covered on their parents insurance plans – and the insurance companies were NOT FORCED TO DO IT. It was simply GOOD BUSINESS. I didn’t ask for anyone to be forced. I just said it was good.
                      =

                    3. Shorter niob: I CAN HAZ (a bit less) YOU MONEYS — BUT FOR GUD CAUZ!

                      Actually, niob, if the mandate has to be there, it’s probably better that it be extended to all 26 year olds than just to grad students. Why? ‘Cause fuck social engineering, that’s why.

                    4. And hey, I and mine benefit from the law. I’ve got a 23-year-old going to law school. Now he doesn’t have to find and pay for health insurance because all you saps are (indirectly) paying for it. Suckers! Bwahahahaha!

                    5. I actually NEVER once said the word should be mandated – or a company should be forced to do it. Before the mandates, she WAS COVERED BY HER PARENTS INSURANCE PLAN – because it was good business for them to cover her. I am saying the mandate is stupid because it was meant to cover something ALREADY IN PLACE. But, in addition – it covers me as well who has a job, company insurance, etc, etc..

                    6. I think a child should be able to stay on their parents health insurance until 26 (the age you would get a doctorate degree) ONLY if you have been continually in school and have never entered the work force.

                      Apparently this is from some language with which I am unfamiliar.

                    7. Citizen – apparently “Should be able to” and “Mandate” are the SAME THING IN YOUR MIND. English is an unfamiliar language with you? Let me be clear – he not being able to afford her own insurance doesn’t mean fuck to any of you – nor should it. The fact is, BEFORE the MANDATE, she WAS covered by her parents insurance – and they were not forced to cover her – just good business practice. Very, very sorry you confused “Should” with “GOVERNMENT MANDATE NOW! IF YOU DON’T COMPLY, SWAT RAIDS!!!11!11”

                    8. Ah. But I’m still confused by the juxtaposition of the phrases “Should be able to” and “ONLY if”(sic). Hmmm. Perhaps I shoulda paid better attention in English class.

                    9. But I see you address some of my confusion below.

                    10. Actually, it doesn’t. If you have access to insurance through an employer, you can’t stay on your parents’s plan. Prior to Obamacare, students were kicked off at age 23 (typically) so no, your girlfriend wouldn’t be covered.

                3. Good job not copy/pasting my next sentence that said I was talking about PPO, NOT HSA – which is what hte $85/month plan is. And it is NOT $85/month if you actually go to the doctor.

                  Good job having no reading comprehension skills nor any idea of how to tell the difference between “insurance” and total health care costs.

                  1. And good job confusing “insurance” with the word “premium”… But, to your point – To compare health insurance plans you HAVE to include the ENTIRE health care cost. How can you you say your monthly premium is the ONLY cost of insurance when your plan directly effects the ENTIRE cost of health care for you? Let use this example:

                    Plan A costs 10$/month – but requires a $10,000 deductible before the plan kicks in and only covers 10% of your bills.

                    Plan B costs $200/month – but has only a $10/deductible for everything.

                    Is it really fair to say that Plan A is cheaper, because it has a cheaper PREMIUM? No, the insurance plan, DIRECTLY effects the total cost of healthcare.

      2. Are you saying that you think insurance companies should do this? or should have to do this?

        1. The law right now states ANYONE under 26 can be on their parents insurance – much to the chagrin of insurance companies. The reasoning behind the “26” in Obamacare was specifically for Grad students and the university requirements that you have health insurance. I am saying I think the “26” should be LIMITED to ONLY students who are in school and not in the work force.

          1. In other words: “This rule sucks and should be abolished… except when it helps my girlfriend, because that’s totally different.”

            1. I’m saying the reasoning for the law was to cover grad students – however it is currently covering EVERYONE. All I am saying is it makes sense for STUDENTS to stay on their parents health insurance. It is fucktarded for me to be able to be on my parents insurance when I make plenty of money to buy my own.

              1. Okay, I see your point now. That would indeed seem to be an improvement over the status quo.

                On a side note, when I was in grad school they offered cheap health insurance through the school. You’d think given the ridiculous increase in tuition over the past 20 years more schools could offer that now, but I guess the more the government gets involved the less schools are inclined to look at it as their problem.

                1. Thank you. Sorry I confused anyone with that pesky word “Should.” I just think it is good business that insurance companies cover students since they are dependents – which before Obamacare they did do (at least BCBS and Aetna in NJ/NC did). My point was that Obamacare mandated everyone under 26 be covered by their parents because students need to be covered, but DIDN’T include any language that required them to be a student – when it should have. ***My saying that Obamacare SHOULD have included that language does NOT mean I endorse the mandate at ALL. I JUST think it could have been improved***

                2. They still offer cheap insurance. This will destroy it and such plans will go away. Those cheap plans, however, offered very limited coverage and are actually crappy insurance. That they will go away is not entirely a bad thing

                  1. should have been reply to ClubMedSux

          2. Why should insurance companies care if a 26 year old is on their parents plan or on their own plan? They just pass the costs on to either the group plan or the individual plan. That 26 year old HAS to have insurance one way or another (the mandate) whether his parents/employer is paying for it or if he buys it directly.

          3. Your understanding of the law is flawed. Not ANYONE under 26 – those with access to employer insurance are not eligible, nor are those under 26 and married.

      3. Let’s just throw in the grandkids too.

        I was married and had two kids when I was 25, and I was a full-time student without health insurance.

        So why shouldn’t we just foist my wife and kids on my parents insurer as well?

      4. she cannot afford her own insurance.

        So she should choose to do one of the following: work for a few years first to afford grad school, go without health insurance for a couple years, work while in grad school, take a loan to cover it since she’ll be making $100k starting. For what it’s worth, I did a combination of the last two.

        if you have been continually in school and have never entered the work force.

        She’s an intern. She has entered the work force.

        1. “Go a couple of years without health insurance” – according to our government, that is simply not going to be an option

          “Work during grad school” – she works 2 jobs. Makes less than 5k.

          “take a loan to cover it” – already taking every available loan – some over 10% interest. There are VERY little loans available to graduate students.

          1. How is she paying for the education itself on $5k/year income? Loans? There’s your answer.

          2. You didn’t address the first option.

            As of right now it is.

            Then take a third one that actually pays. I worked a full time job at a grocery store my senior year in undergrad, which made far more than $5k a year.

            I just got out of grad school. You can take enough loans to pay for it.

        2. if you have been continually in school and have never entered the work force.

          Who gives a flying fuck? Your risk is YOUR responsibility.

          1. Well that was kind of the point – you people just saw me using a real life example of something and decided “OMG, REAL PERSON, MUST DESTROY – FUCK HIS POINT.” I DO NOT WANT ANY MANDATES!!! Read that again: I DO NOT WANT ANY MANDATES!!!. Before Obamacare, my girlfriend was covered on her parents insurance ANYWAY. It was good business for them to keep her on her parents plan because she was a student. All I am saying is that I think the 26 year provision in Obamacare is STUPID for the fact that the reasoning behind it is to keep grad students insured, but doesn’t include language to limit it to students (BESIDE the fact it is a mandate). ALL I am saying is the language of the 26 year old mandate SHOULD have included the word “In School.”

            1. And people say a journalism degree is worthless. One good copy editing course would have cleared up this kid’s problem in a jiffy.

              1. Yeah, that’s my problem with having went to school for engineering. But, I think the larger problem lies with the fact I was posting on reason – the only place where “fuck you” is most important of all, but people can still make sense.

                1. At Hit and Run, “Fuck off, slaver!” is considered polite repartee. That’s why nobody takes libertarians seriously.

      5. I think a child should be able to stay on their parents health insurance until 26 (the age you would get a doctorate degree)…

        You think 26 is the age you would get a doctorate degree? I’m guessing you don’t have any friends getting PhD’s…

        1. If you go from high school to college (18) you will have a BS at 22. If you go from undergrad to post-grad you will have a PhD by 26. If you do a pre-grad program in undergrad, you get your 4 year grad degree at 25.

          Yeah, I know most people take WAY longer than that to get a 4 year degree – or even finish undergrad. But, if you do it straight though, no breaks, you have it at 26.

          1. If you manage to get a PhD in 4 years, you’re either in a fake program or you’re a sublime genius. 8 years is not uncommon.

            1. Well my girlfriend is 24, graduates in 2 years from UNC – the 2nd best Doctor of Pharmacy program in the entire country. There are several there younger than her, and several older, but the VAST majority in her class are 24.

              1. 2nd best Doctor of Pharmacy program in the entire country

                HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA

              2. Okay, all snark aside, professional programs like pharmacy, medicine, law, etc., don’t require independent research and generally can be completed in a set amount of years. PhD’s which require research, be they in the hard sciences, social sciences or liberal arts, only require a couple years of regular classes and after that are dependent on when you get your research done. I got my master’s degree in atmospheric research and there were plenty of PhD students there who were approaching (or in some cases over) 30. They weren’t lazy or anything; it just took that long to complete your research and draft your dissertation.

          2. If you go from undergrad to post-grad you will have a PhD by 26.

            That may be true if you’re doing some sort of professional graduate degree where you just have to take x amount of classes to graduate, but I have many friends with PhD’s who would beg to differ with that statement.

            1. professional graduate degree where you just have to take x amount of classes to graduate

              Like I said, fake program.

              1. Doctor of Pharmacy and MD are fake? At best schools in the country?

                1. An MD is not a PhD, and if your girlfriend wants to call herself doctor, well, that’s just adorable.

                  1. Never said it was a PhD. In Fact, I never said PhD a single time – I said “doctorate” and “graduate” – See http://en.wikipedia.org/wiki/Doctorate

                  2. Fuck me, I said PhD once, by accident, I meant “doctoral” like I said every where else. I know PhD is longer – but pretending that other people aren’t doctors because they didn’t do research is just retarded on your part. If you could be a doctor, without research, your bad for not doing it!

                2. They aren’t fake they just aren’t PhDs.

              2. Are you calling my PhD in communications from the American School of Metaphysics fake?

              3. Warty means “fake” is ANY program that isn’t the one he graduated from. And thinks the only doctorate degree is a PhD. Here is a huge list of “doctorate” degrees (You know, the ACTUAL word I said)…

                http://en.wikipedia.org/wiki/L…..ted_States

            2. At Berkeley, the average took a PhD in physics and chemistry was 5.5 years. I’ve seen people finish in as little as 3.5 years (good adviser working on projects with low-hanging fruit) and as long as 7.5 years (terrible adviser with ridiculous policies working on absurd projects). It’s the nature of research to be unpredictable.

              1. ADVENTURES IN BUTTHURT

                For what it’s worth, anyone who’s not an MD and calls himself a doctor is a douchebag of the highest order. But, anyway, thanks for providing me with some amusement, noibuium, you pathetic little whining child.

                1. Actually I’m pissy about calling MD’s doctors. It’s an honorific that tried to equate the “noble calling” of physician to that of a learned intellectual. As you yourself noted, MD’s are not doctoral degrees.

                  Agree on the butthurt though.

                  1. Warty – I’m the whining little child? That’s pretty funny coming from someone who is actually whining about how only people with a Philosophy degree can be “Doctors” and everyone else who has a “Doctor of…” degree is a “douchebag of the highest order” for using the rightfully earned honorific “Doctor” – which by the way is the social norm.

                    And for hamilton – getting pissy about “M.D.” being called a “Doctor” is about as retarded as it gets. Yeah, he shouldn’t be called a doctor for earning a “Doctor of Medicine” degree…right…

                    My butthole feels fine.

        2. I got mine at 26. Was still 25 when I defended, actually. If someone goes straight to grad school it’s not that big a deal.

      6. So marry her already.

        1. ^This.

        2. Apparently Sandra Flake has a sister…

      7. I fail to see why others have to pay for your girlfried, why don’t you ?

        1. If by others you mean her parents paying the premium for a family plan, while she is still a dependent…

          1. I meant taxpayers, the people who ultimately would have to pay for these things. You can pretend all you want that there was no insurance that had these dependents before government stepped in (its a lie), what you really want is cheaper insurance for your girlfriend paid by people who don’t want to pay. So I repeat, pay for yourself, or let her parents pay and stop making your girlfriend the sanctinomius victim.

            1. Did you read anything I said. Or did you read “Should cover students” and think I meant taxpayers and mandates. I said 100x that SHE WAS COVERED BEFORE THE MANDATE… In fact, ALL students were covered before the mandate, provided they were dependents by most insurance companies.

              1. You cannot mandate providing insurance for people up to 26 who are still studying without taxpayers being forced to pay for it. Try to worm yourself out of it all you want, in the end should the parents of some 26 year old student not be able to pay for insurance, the taxpayer will pay.

                1. I DO NOT WANT ANY MANDATES!!! Read that again: I DO NOT WANT ANY MANDATES!!!. Before Obamacare, my girlfriend was covered on her parents insurance ANYWAY. It was good business for them to keep her on her parents plan because she was a student. All I am saying is that I think the 26 year provision in Obamacare is STUPID for the fact that the reasoning behind it is to keep grad students insured, but doesn’t include language to limit it to students (BESIDE the fact it is a mandate). ALL I am saying is the language of the 26 year old mandate SHOULD have included the word “In School.” God damn you a fucking thick.

      8. What does she need insurance for? I probably didn’t even need to buy band-aids the entire year I was 24. Statistically speaking, it is just not a rational choice at that age.

    4. You are only old enough to kill and be killed for your country, anything else and you are nothing more than a child that needs to do what he is told !

      1. Am I old enough to make things that others can use to kill for my country?

        1. Yes, but only as long as daddy, sorry I meant government, says its ok.

    5. Someone remind me which Amendment in the Bill of Rights guartees free stuff?

    6. My longest subthread ever. Now THAT’S how you do a first post.

  2. The compromise solution is obvious.

    Allow children to stay on their parents insurance until they are eligible for Medicare.

    Oh and make the parents insurance coverage permanent, irregardless of their employment, or even life status

    1. Not good enough. You should be able to stay on it even after they are dead. And your children too. We can all have our grand parents’ health insurance.

      1. Is Genius.

      2. I don’t suppose it matters that I don’t like my children enough to keep them on my insurance for all eternity. I paid for their insurance for two full decades and now it is time to pat them on the back and send them on their way.

    2. Irregardless?

      1. Brandon?

  3. Who knew a Republican would be a champion of the hipsters?

    1. the gop realizes they’ve lost the under 30 voters who’ve cum-of-age watching deniers, birthers, theocrats, know-nothings dominate the party.

  4. So if my parents had me at 34, does that mean at 31 I am on their medicare policy?

    1. cr@p…damn preview…VG has it covered above.

    2. Hey, wait. Seriously. I just realized that when my youngest are 23, I’ll be 68.

  5. I wish I was an adult child, instead of just a crummy child adult.

  6. Here is the part of the article Mr. McArdle is referring.

    Rep. Steve Stivers of Ohio said he was considering introducing legislation in the next few weeks that would require insurance companies to allow consumers to cover adult children on their plans up to the age of 31, charging an additional premium if necessary.But some congressional Republicans have already expressed their opposition to most kinds of federal mandates on insurers.

    One guy wants this. I sure he wants a lot of things. I wouldn’t be signing up my 30 year old any time soon.

    1. “charging an additional premium if necessary”

      Oh, and by the way, we’ve already determined that it will not be necessary.

  7. The solution is obvious. Congress should simply mandate children can stay on their parents’ health insurance until age 65. At that point, they’ll be eligible for Medicare, so no one need ever worry again about health care costs…

    1. Three people here came up with that very idea within fifteen minutes, so it’s pretty much guaranteed that some pol will propose it soon.

  8. I got confused at the “adult children” part ???

    1. This may be surprising to you, but, as matter of basic English, you are your parents’ child for your entire life and even after your death.

  9. This is why I hate it when I hear republican’s complaining about Obama. There’s not a damn bit of difference between him and Bush. There’s no difference between Pelosi and Bohner or Tom DeLay either. They were all piling on the government largess with Medicare just before the 2004 elections. All this talk about “death panels” are complaints about cuts in government spending.

    1. Hence a Romney defeat could be the best outcome in November.

      1. That assumes that the Republicans would learn anything and not just blame their defeat on the evil Tea Party and Libertarians. And it also assumes that it wouldn’t embolden Obama to do everything to his dark heart desires.

        1. Well, I am assuming that the Repubs will take/keep the House and/or the Senate.

          1. If the Republicans had a huge majority in both, it might work out okay. Obama would go down in spectacular flames. But understand you would be setting up one party rule. 2016 for the Dems would make the 08 Republican experience seem pleasant by comparison.

            1. As much as I’d like to beleive that at some points the idiots in Washington DC and the people that continue to vote for them will get serious about entitlement reform, it seems clear to me that this won’t happen until the entire edifice comes crashing down. So, the sooner the better and hopefully with one party in control of Congress and the other in control of the Executive, so both are fully maligned.

  10. Why would I ever want to hire someone if I’m on the hook for providing family insurance for the new hire’s kids for more than a decade after they reach the age of majority?

    The net result is that employers stop hiring people or employers drop their insurance benefits and force employees go somewhere else for insurance.

    1. But but but … if my employer pays for it, I don’t have to!!

      1. The employer can always have the employee pay the entire cost of extra family members. In some cases, having lots of extra young people on the employer’s plan brings down the demographics and actually lowers (or increases less) the premiums for the group.

  11. I don’t see any reason why an insurance company would want to group any people under on policy who aren’t living in the same house. If you move out to go to school, get your own policy or go without.

  12. I’m 32. Does this mean I’m an adult now? My parents lied to me and said I had to get the fuck out at 18. Between 18 and 31, that’s 13 years of my childhood I’ll never get back.

    1. That sucks, dude. You’ll have to build yourself an amusement park on your ranch and sleep with little boys to try to get your childhood back, or something.

      1. Or take out a high rise and make off with a bucketload of bearer bonds and buy it back.

    2. Yes. I think your parents are considered child abusers.

  13. 31? Wow. My wife could get back on her parents’ insurance retroactively. Savings!

  14. I had government insurance from 17 to 23. I didn’t offload my insurance costs to dad, I offloaded it to all you taxpayers!

    And then I didn’t have any at all from 23 to 28, so maybe it’s a wash.

  15. Wait a second. My last comment just made me think of something else. This should’ve been brought up with the 26 age, but 31 makes it even more glaring. What happens if, like my wife, you’ve got your own kids? If you’re on your parents’ insurance, are your kids also on that insurance? I mean, this could get pretty damn ridiculous quickly. You have five kids between ages 20-31. Then your five kids have 2-4 kids each before reaching age 31. You could have two dozen people on one policy!

    1. Seriously. I had my first daughter at age 27, and since my job’s benefits suck I was paying out the ass for my health insurance. Would’ve been nice if both my daughter and I (and my second kid, who also was born before I hit 31) could stay on the old man’s insurance plan.

  16. kinnath|5.23.12 @ 11:44AM|#

    Let’s just throw in the grandkids too.

    I was married and had two kids when I was 25, and I was a full-time student without health insurance.

    So why shouldn’t we just foist my wife and kids on my parents insurer as well?

  17. nitpick:

    the word “allow” should not be in title. It’s already allowed.

    the word “force” should be in the title. That’s why we object. It’s the force stupid. And not the good kind that Yoda likes.

  18. I would think that insurance would naturally want to keep typically healthy mid to late 20-something children on their parents’ plan. No mandate required.

    If they leave the plan and get a job or buy a separate plan, they likely go to another company and the insurance company can no longer charge their parents for the cost of a family plan.

  19. Fuck, what a shitty time to turn 32. Then again, I probably have better insurance than my parents.

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