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

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[quote=Anonymous]Parents are the client for this insurance.   Parents have their kids covered on their own insurance when the kids are young.   Then the kids grow up, go off to college... parents still care about their kids and want them to be able to go to the doctor, get surgery if they get appendicitis or break their leg, or get diagnosed with cancer, need treatment for mental illness; need to be hospitalized for pneumonia, etc.

If their adult child doesn't have any health insurance, and gets sick or injured and needs hospital care or an operation, parents know if will be very expensive but they will probably help come up with the money, because they want their child to be treated.

So it is in the parents own financial interest to be sure that their adult children have access to health insurance.   Many colleges do have plans for students enrolled full time.   But kids who don't go to college don't have that option.

Many employers do offer employer subsidized health insurance plans, too.   But many young adults aren't able to find work with that benefit.

So for those who aren't able to find other insurance plans, being able to buy a rider on your parents plan (for extra money of course) is a real benefit.... not just to the young adult, but for the parent as well.[/quote]

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