Anonymous
08/05/2025 20:41
Subject: Health Insurance for 26-year-old
Anonymous wrote:Anonymous wrote: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.
And it's not smart to go without, especially for a 26 yo where ACA basic plans would be only $100-150/month. Parents can help out if needed.
She should definitely do this. I'm in DC and was briefly unemployed. I was eligible for COBRA but chose to get a plan off the exchange. I'm older but also have no health problems and don't take any medications, but you never know! At a bare minimum she should have what I think of as "hit by a bus" coverage. I got a silver level plan and I think it was about 200/month; there were multiple cheaper, more basic options.
Anonymous
08/05/2025 19:43
Subject: Health Insurance for 26-year-old
Anonymous wrote: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.
And it's not smart to go without, especially for a 26 yo where ACA basic plans would be only $100-150/month. Parents can help out if needed.