Young adults are more likely to get care and see a doctor when states extend the time they can stay on their parents' health insurance. The laws are meant to help youngsters over 18 years of age, who outgrow their parents' plans but have trouble getting full-time jobs with health coverage after they pass out from school.
17% of adults under 65 years of age are people between 19 and 29 years old and they account for almost 30% of the uninsured. The state laws and the Affordable Care Act (ACA) provisions helps in providing a secure foundation for these young adults just when they are starting off on their own.
AdvertisementYoung adults were allowed to stay on their parents' private insurance plans till the age of 26 as per the provision enacted by the federal government in September 2010.
A large part of the U.S. health insurance market is made up of employer funded self-insured plans. State laws that extend coverage to young adults have exempted these self-insured plans, but these plans are included under the federal law.
Just one of the differences between the state and federal laws is the inclusion of self-insured plans and that is the reason why the ACA's impact will be much greater than that of the state laws.
Based on whether the young adult was a student or married, many of the state laws limited their insurance extensions. The federal law expanded coverage in those categories. Thanks to the ACA, as many as 2.5 million Americans between the age group of 19 and 25 years were able to get health insurance in December 2011.
As per the U.S. Department of Health and Human Services, the provision has increased the number of insured young adults in that age group from 64% to 73%.
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