Health Insurance for 26-year-old

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My DD was on my health insurance but is turning 26 soon, so she needs to find her own policy. She was just laid off from the government contractor she has worked for, for several years. While she is interviewing, does anyone have any recommendations for an insurance co./policy?

I read that she may be able to get COBRA under my policy for 36 months, but I need to call my insurance company (BCBS) to confirm. Does anyone have experience with COBRA in this situation? Thanks.

Just go without it at her age.

This has to be the worst advice ever.

Not really, Unless the young adult has medical issues.

If they need to see a doctor they can go the local health department. They will charge them a small fraction based on her income.

Most health insurances will charge an arm and a leg for temp. coverage.

And if she has one major medical issue, she could end up owing $300K+ for a few week hospital stay.

ACA is cheap for someone that age, so purchase it

[Anonymous]

The best option is to get a job.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My DD was on my health insurance but is turning 26 soon, so she needs to find her own policy. She was just laid off from the government contractor she has worked for, for several years. While she is interviewing, does anyone have any recommendations for an insurance co./policy?

I read that she may be able to get COBRA under my policy for 36 months, but I need to call my insurance company (BCBS) to confirm. Does anyone have experience with COBRA in this situation? Thanks.

Just go without it at her age.

This has to be the worst advice ever.

Agreed....(coming from someone whose healthy-as-a-horse 18 year old was diagnosed with cancer this year). Not having insurance is like playing Russian roulette.

[Anonymous]

Isn't COBRA for if she had her coverage via the job she lost? Which she didn't.
Use ACA and get a job with benefits

[Anonymous]

ACA will be really inexpensive for someone her age. She should get on that until she finds full-time employment, and then get on her employer’s plan.

[Anonymous]

Anonymous wrote:Isn't COBRA for if she had her coverage via the job she lost? Which she didn't.
Use ACA and get a job with benefits

I think OP means can she COBRA OP’s plan, they the daughter will soon be ineligible for.

My friend COBRA’d her ex husband’s insurance after the divorce for a few months until she got on her employer’s plan.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My DD was on my health insurance but is turning 26 soon, so she needs to find her own policy. She was just laid off from the government contractor she has worked for, for several years. While she is interviewing, does anyone have any recommendations for an insurance co./policy?

I read that she may be able to get COBRA under my policy for 36 months, but I need to call my insurance company (BCBS) to confirm. Does anyone have experience with COBRA in this situation? Thanks.

Just go without it at her age.

This has to be the worst advice ever.

Not really, Unless the young adult has medical issues.

If they need to see a doctor they can go the local health department. They will charge them a small fraction based on her income.

Most health insurances will charge an arm and a leg for temp. coverage.

Right and since medical conditions are completely predictable, it should be fine. If they receive pre notification of an illness or accident, they can insure at that point

[Anonymous]

Anonymous wrote:ACA will be really inexpensive for someone her age. She should get on that until she finds full-time employment, and then get on her employer’s plan.

Bingo correct answer

[Anonymous]

Anonymous wrote:The best option is to get a job.

Given Trump has crushed the best economy that isn’t happening
And Project 2025 guts insurance so it won’t be an option in a year anyway

[Anonymous]

Anonymous wrote:

Anonymous wrote:The best option is to get a job.

Given Trump has crushed the best economy that isn’t happening
And Project 2025 guts insurance so it won’t be an option in a year anyway

If she’s not fat or ugly she should try OnlyFans. Depending on how brave she is she could be a millionaire in a month.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My DD was on my health insurance but is turning 26 soon, so she needs to find her own policy. She was just laid off from the government contractor she has worked for, for several years. While she is interviewing, does anyone have any recommendations for an insurance co./policy?

I read that she may be able to get COBRA under my policy for 36 months, but I need to call my insurance company (BCBS) to confirm. Does anyone have experience with COBRA in this situation? Thanks.

Just go without it at her age.

This has to be the worst advice ever.

Not really, Unless the young adult has medical issues.

If they need to see a doctor they can go the local health department. They will charge them a small fraction based on her income.

Most health insurances will charge an arm and a leg for temp. coverage.

You never know what will happen. My 21 yo was the healthiest kid/young adult. No chronic conditions and only a very rare doctor visit beyond a yearly physical. Then he suddenly became very ill and needed expensive tests. He was diagnosed with IBD. With good insurance, we’ve already spent thousands out of pocket this year. His medication retails for close to $9k a month. Yes, that’s 9k. Thank goodness for insurance which brings it to $50/month. I can’t imagine if we had to worry about cost in making healthcare decisions for him.

[Anonymous]

I am not sure COBRA is an option for a 26 year old who has aged out of their parent’s coverage. She is not a dependent child. In any case, it’s much more expensive.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My DD was on my health insurance but is turning 26 soon, so she needs to find her own policy. She was just laid off from the government contractor she has worked for, for several years. While she is interviewing, does anyone have any recommendations for an insurance co./policy?

I read that she may be able to get COBRA under my policy for 36 months, but I need to call my insurance company (BCBS) to confirm. Does anyone have experience with COBRA in this situation? Thanks.

Just go without it at her age.

This has to be the worst advice ever.

Agreed....(coming from someone whose healthy-as-a-horse 18 year old was diagnosed with cancer this year). Not having insurance is like playing Russian roulette.

Millions of immigrants and low income people DO NOT have health insurance. Unfortunately, Health care is just not affordable in the USA.

[Anonymous]

Anonymous wrote:Yes she will receive notice about COBRA - I’d guess 1-2 months before she loses coverage. They will change 102% of the premium (100% of the premium + 2% admin fee). If you want the notice sooner, reach out to your benefits department.

I suppose this may be a provision I'm not aware of, but why would COBRA apply here. COBRA benefits are for when the insured leaves a job, and wants to continue current employer-provided coverage. There are no employer subsidies, and it's often very expensive, but it guarantees continuous coverage.

That's not the case here. OP didn't lose her job. Her daughter is aging out of coverage eligibility. If COBRA applied, the de-facto age limit for remaining on your parents' coverage would be 27.5, not 26.

Yes, OP's daughter lost her job, but that it entirely coincidental. It has nothing to do with the reason she is no longer covered.

Again, perhaps this is an obscure provision, but I think it's unlikely.

[Anonymous]

Aging off your parent’s health insurance is a qualifying event for COBRA.

Qualifying Event: Loss of dependent child status due to reaching the age limit (usually 26) is a COBRA qualifying event.

Now - it maybe cheaper just to get health insurance on the market at 26 though.