OK true confession, long before the ACA I talked to my older kids about the importance of having health insurance.
My eldest was booted off our insurance in 2006 (before ACA age 26 rules). 2006 was the same year little somebody was diagnosed with cancer. He had health insurance available to him through his employer but didn’t want to part with the money because it meant less disposable income, not that he had much disposable income back then. He also kind of felt he was invincible, typical of someone that young.
The truth is all the nagging and talking had no impact on him, nothing we said made him want to pay for health insurance and be responsible. He did get health insurance about 10 months later, but he did so only after learning that we were right the hard way. He cut a big chunk out of his leg helping a friend move which then got infected, thank goodness he wasn’t in need of a tetanus booster. He had to seek medical attention and pay out of pocket, he still has a terrible scar. That combined with seeing his sister diagnosed with cancer as well as one of his co-workers convinced him he might need health insurance……..but again our nagging didn’t convince him.
My eldest daughter was a completely different story. She stayed on our insurance as long as she could, but took out health insurance through her employer when she was kicked off ours. That decision was easier because she was still living at home so it was easier for her to afford, our son had long since been out on his own when he had to pay for his own insurance. However, to be fair to my daughter she’s always been far more responsible and frugal than my son, so even if she had been living on her own then she would have gotten insurance.
Invincible is exactly why they are not going to sign up for zerocare. They are flying high and they like their disposable income. Now, zero has chosen how that income shall be spent. I can’t blame them. I was very lucky at that age, I had that nifty government indemnity plan. I felt like it was silly to pay for it since I never used it. I have insurance now, and I still don’t use it. Unfortunately for me, the times when I really could have used it I was between jobs and didn’t have any. 😦
Well the ACA lets kids stay on their parents insurance until 26, my kids fell of our insurance on their 22nd birthday and we felt lucky they were allowed to stay until 22 as opposed to 18. We are also very, very fortunate that we don’t pay per child, well you do if you have more than 5 total in your family but we didn’t. We were able to cover our older kids until 22 without any additional cost because we had family coverage anyway and will continue to have it.
By the age of 26 they should be maturing enough to realize they need health insurance. The problem is soaring rates and a bad economy, neither of which Obama has helped……in fact he’s made both worse.
The federal government indemnity plans, ah those were the days!! Those have been gone for decades same for the private sector companies that had them. Those went bye bye the last time our government “helped” us get “better” health insurance.
The school that my kid went to out of state said that my plan sucked and wanted to change it to their own. I said suck it and after quite an ugly battle, they admitted that it was ploy to get the students to purchase their plan. Mine was actually above and beyond what they offered. Ugh!
Everyone (young and old) should have some sort of backup plan. That is what insurance was. When I was a kid, I had many of the ugly diseases known to children…spinal menengitis to rhuematic fever. I don’t know how the CDC never found out about me. I had a doc who would make house calls if necessary. We didn’t have a car. I lived through all of it with no insurance. I guess I was meant to live through zerocare.
You have a point. This subject was always discussed in our house as well when we (kids) were about to be tossed of Dad’s policy. But it was simply something explored as part of the whole move toward adulthood and needing to budget for basic expenses (rent, utilities, auto/health/life insurance, groceries,…).
I think the negative response to the ads is in reaction to the idea that the pushers of O’care seem to feel (they feel think -they do not think) they are the only one’s who ever heard of health insurance. Because of them these special snowflakes and their parents now know they should have a super duper important discussion. From the age of the young man in the commercial, he and his parents should have covered this topic at least a decade ago.
I have also noted that none of the ads really address health care itself. As in being able to get care. Just the abstract “coverage”. Or that quality is not job one. Unless you are in favored group that gets to opt out of O’care.
I am surprised O has not taken credit for inventing the wheel or discovering fire.
Well he still has a couple of years in office to make those claims, let’s not give him any ideas!
We had those conversations too as part of a move to adulthood, except in my son’s case he knew everything and we were very stupid!
I agree with you from the looks of the guy in the ad, his parents should have had that conversation years earlier. The ACA in many ways cuts off its nose to spite its face by extending parental coverage until age 26. I think that’s why the guy in the ad looks older because he should be 26-30.
I don’t get that either. I think back to when I was 26 I was married with children. I look at my own kids at least the older two, by 26 they had matured. My son’s first child was born when he was 26 and my older daughter finished grad school and took a position with a fortune 50 company………both mature, responsible with good jobs and health insurance. I don’t think they’re unique either at least based on their friends around the same age.