Tell me why you think 26 year olds should be covered under parents' insurance

[Anonymous]

Anonymous wrote:

Anonymous wrote:I don't understand why 26 year olds OR ANY FAMILY MEMBER shouldn't be covered under one individual's plan. It's not like it's one price for as many people as you can claim a relationship to. You pay a premium for each additional insured. Those premiums vary based on the age of the insured. Why can't I have my parents on my plan? Why not my sister? I'm paying the premium, I'm not getting anything for free.

That's where you're mistaken. As a PP explained above, many insurances (all I've ever seen offered by my employers) are offered as self, self +1, or family. When family is selected, you pay one price whether you have two children or ten. It's not additional money per child. So in essence, you would be getting a lot for free if you could add extended family for nothing.

But if there is no law requiring that family coverage allow unlimited children, then insurers can address any potential losses here by charging for each additional insured. Can't they?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

Can you tell me, what are the manifestations of the "problem of extended adolescence" in our society? How exactly does it negatively impact society if they have multiple unpaid internships, travel, and five year degrees? It's not like there are jobs that are going unfilled because twenty somethings refuse to work.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

I think that's up to these families to decide. We shouldn't write healthcare policy in order to teach a parenting lesson.

+1. It is not like the law REQUIRES parents to keep kids on the plan, it just allows them too.

This is another one of those inconsistent positions driven by politics. Here, the law gives them a CHOICE on this issue which is what conservatives say they want - the power to decide what is best for their personal situations. Yet, they see that as a problem because it gives other families the power to make a choice that they don't agree with. SMH.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

That covers the 1%ers and probably some in the 5% but most people have to work to pay for college and are not doing unpaid internships, travel, etc.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

That covers the 1%ers and probably some in the 5% but most people have to work to pay for college and are not doing unpaid internships, travel, etc.

If they are paying off college that's a responsible behavior but yet another reason why they might not have money for health insurance.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

Can you tell me, what are the manifestations of the "problem of extended adolescence" in our society? How exactly does it negatively impact society if they have multiple unpaid internships, travel, and five year degrees? It's not like there are jobs that are going unfilled because twenty somethings refuse to work.

Others have written about extended adolescence much better than I can, but the impacts are:
- Delay of marriage, more living together, less stability for kids and communities
- When men are stuck in extended adolescence, women can't find suitable partner to marry and have kids -- not good for society
- Delay of getting "real jobs" which hurts the. This means young adults are delaying saving for their retirement, and that parents are subsidizing their young adult kids instead of putting that money toward other things -- such as their own retirement contributions. It also means Mom and Dad have to work longer to subsidize their kids, which exacerbates the available jobs for the rest of us because the oldest workers delay retiring.
- Delay of buying the first home, which means there are fewer "move up" buyers available when you want to sell your house to a "move up" or first time buyer
- Plain old immaturity, selfishness, and inability to commit to anything whether it's a job, a relationship or a promise to a friend. When selfishness is really bad, it can manifest in crime.

Can you not agree that we have seen a remarkable rise in selfishness in our society over the last few decades? What ever happened to self-sacrifice and commitment to something greater than yourself and your own personal whims? Everything is me, me, me these days, and I don't think that is good for society. Your twenties are a time to get out and work, build a career, find a mate and learn responsibility. They aren't a time to goof off so you can "find yourself." You can find yourself much better while you are out there building a life.

While some of the articles focus on men, this isn't a problem that's limited to men:
http://online.wsj.com/news/articles/SB10001424052748704409004576146321725889448
http://usatoday30.usatoday.com/life/lifestyle/2004-09-30-extended-adolescence_x.htm
http://www.nytimes.com/2010/08/22/magazine/22Adulthood-t.html?pagewanted=all

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

That covers the 1%ers and probably some in the 5% but most people have to work to pay for college and are not doing unpaid internships, travel, etc.

I disagree. I think many young adults who aren't in the 1%-5% category are goofing off because Mom and Dad are subsidizing.

[Anonymous]

So which is it conservatives, does the ACA give young people the shaft, or are they getting free stuff? Pick a side and stick with it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

Can you tell me, what are the manifestations of the "problem of extended adolescence" in our society? How exactly does it negatively impact society if they have multiple unpaid internships, travel, and five year degrees? It's not like there are jobs that are going unfilled because twenty somethings refuse to work.

Others have written about extended adolescence much better than I can, but the impacts are:
- Delay of marriage, more living together, less stability for kids and communities
- When men are stuck in extended adolescence, women can't find suitable partner to marry and have kids -- not good for society
- Delay of getting "real jobs" which hurts the. This means young adults are delaying saving for their retirement, and that parents are subsidizing their young adult kids instead of putting that money toward other things -- such as their own retirement contributions. It also means Mom and Dad have to work longer to subsidize their kids, which exacerbates the available jobs for the rest of us because the oldest workers delay retiring.
- Delay of buying the first home, which means there are fewer "move up" buyers available when you want to sell your house to a "move up" or first time buyer
- Plain old immaturity, selfishness, and inability to commit to anything whether it's a job, a relationship or a promise to a friend. When selfishness is really bad, it can manifest in crime.

Can you not agree that we have seen a remarkable rise in selfishness in our society over the last few decades? What ever happened to self-sacrifice and commitment to something greater than yourself and your own personal whims? Everything is me, me, me these days, and I don't think that is good for society. Your twenties are a time to get out and work, build a career, find a mate and learn responsibility. They aren't a time to goof off so you can "find yourself." You can find yourself much better while you are out there building a life.

While some of the articles focus on men, this isn't a problem that's limited to men:
http://online.wsj.com/news/articles/SB10001424052748704409004576146321725889448
http://usatoday30.usatoday.com/life/lifestyle/2004-09-30-extended-adolescence_x.htm
http://www.nytimes.com/2010/08/22/magazine/22Adulthood-t.html?pagewanted=all

Don't worry. We'll also stay off of your lawn.

[Anonymous]

perhaps if old twats actually retired, the young could get on real career-track jobs?

Plenty of data shows that boomers and older people are sticking around longer and longer.

[Anonymous]

Anonymous wrote:perhaps if old twats actually retired, the young could get on real career-track jobs?

Plenty of data shows that boomers and older people are sticking around longer and longer.

Because we're still paying tuition and health insurance premiums for our kids. Old twats indeed you prick.

[Anonymous]

Anonymous wrote:perhaps if old twats actually retired, the young could get on real career-track jobs?

Plenty of data shows that boomers and older people are sticking around longer and longer.

You sound like a bitter cubicle drone, whose career plan consists solely of waiting your aging boss to quit. Yeah, buddy, that's the only thing holding you back.

[Anonymous]

When my brother graduated college he had to take the first job with health benefits that he was offered -- because he has a chronic medical condition and absolutely could not let his coverage lapse. Even tho he has a degree from a great school, he had to take a job at a chain store that offered health insurance. He literally couldn't wait any longer and had to take it, and it had to be full time in order to get coverage. If he had been able to stay on our parents plan he would have had a cushion of time to perhaps take a fellowship or a job without benefits so that he could have gotten his career on-track.

So, that's why I think you should be covered until you are 26.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Young adults these days are in trouble, not just in the US but in Europe, too. They financially and economically cannot "grow up" as fast as their parents did.

I think just reading the news would answer your question, OP.

I agree. I was livid when this was extended because it think it contributes to the problem of extended adolescence we are seeing in young adults. 22 year olds need to grow up and get a job with insurance and not pussy foot around with multiple unpaid internships, travel, and 5 year degrees. I know the economy isn't great for job hunting, but I don't think this helps either. It makes it too easy to slack off and delay growing up to get a real job.

That covers the 1%ers and probably some in the 5% but most people have to work to pay for college and are not doing unpaid internships, travel, etc.

I disagree. I think many young adults who aren't in the 1%-5% category are goofing off because Mom and Dad are subsidizing.

I was definitely not in the 1% -- not by any stretch of the imagination (my parents had five kids and HHI was around $35K) -- and I still managed to goof off through my 20's. My parents didn't subsidize; in fact they very firmly kicked me out the summer after college graduation. But, the reality is that young single people can live cheaply if they want to, so random jobs here and there combined with an extremely frugal disposition saw me through years of nonsense.

[Anonymous]

I don't get this 1-5% discussion. Obviously 95% of young people aren't screwing around. And plenty of middle-aged people are facing unemployment or underemployment.