6.6 Million Young Adults Joined Parents’ Health Plans in 2011: Report

FRIDAY, June 8 (HealthDay News) — About 6.6 million young
American adults who would likely not have been able to be covered by their
parents’ health plans before the Affordable Care Act took effect joined
such plans in 2011, a new report finds.

The new study from the Commonwealth Fund found that, in total, 13.7
million young American adults, aged 19 to 25, either stayed on or joined
their parents’ health plans last year.

But not all young adults can join their parents’ health plans and many
still have gaps in coverage and are burdened with medical bill problems
and medical debt, the report found.

Nearly two in five young adults (39 percent) aged 19 to 29 went without
health insurance at some time in 2011 and more than one-third (36 percent)
had medical bill problems or were paying off medical debt. Of those who
were dealing with medical bills or debt, many faced serious financial
consequences such as using all of their savings (43 percent), being unable
to make student loan or tuition payments (32 percent), delaying education
or career plans (31 percent), or being unable to pay for necessities such
as food, heat or rent (28 percent), the researchers said.

One-quarter of young adults with medical debt owed $4,000 or more, and
15 percent owed $8,000 or more, the report noted.

“While the Affordable Care Act has already provided a new source of
coverage for millions of young adults at risk of being uninsured, more
help is needed for those left behind,” lead author and Commonwealth Fund
Vice President Sara Collins said in a Commonwealth Fund news release.

Young adults in low-income households were most likely to be uninsured,
the report said. Seventy percent of young adults with incomes below 133
percent of poverty ($14,484 for a single person) had a gap in coverage in
2011. That’s more than three times the rate of those with incomes over 400
percent of poverty ($43,560 for a single person).

The study also found that only 17 percent of young adults aged 19 to 25
in low-income families stayed on or joined their parents’ health plans,
compared with 69 percent of those in the highest income households. Young
adults older than 25 are not eligible.

Young adults who did not have insurance or had a gap in coverage were
more likely than those with continuous coverage to skip or delay getting
needed health care because of cost — 60 percent, 56 percent and 29
percent, respectively.

However, Collins noted that “the law’s major insurance provisions
slated for 2014, including expanded Medicaid and subsidized private plans
through state insurance exchanges, will provide nearly all young adults
across the income spectrum with affordable and comprehensive health
plans.”

The findings are based on an online survey of 1,863 respondents, aged
19 to 29, that was conducted in November 2011.

More information

The U.S. Centers for Medicare and Medicaid Services has more about young adults and the Affordable Care Act.

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