Katsmeow
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jul 11, 2009
- Messages
- 5,308
Individual policies begin at age 26 and end on the first day of 65th birthday.
Are you saying that someone under age 26 can't buy an individual policy? I know that they can be on the parent's policy, but is it required? That is, let's say that someone is 25 living on his/her own and that person's parent doesn't buy a family policy or any policy. Are you saying that person is unable to obtain health insurance because his/her parents don't buy it?
On another note - about the premium calculators we've seen here I know that they are largely guesses and aren't really accurate in terms of family size, etc.
They have some strange results. For example, for me as someone 58 it says I would pay $635 a month for an individual policy. That is not so bad. But make it a 2 person policy - such as me and one of my children and it goes up to the $1723 a month which just seems insane. For example with the calculator for my 19 year old son as individual it shows a premium just over $200 a month so the combined premium for both would be under $900 a month. But if it is a family policy it is suddenly over $1700 a month? That doesn't make sense.
I did at one point just for grins look at the Massachusetts health connector and to obtain a policy for me and kids was much more reasonable - DH is on medicare so he wouldn't be insured under it. For that, putting in me and 3 kids bronze plans were in the $800-900 range, Silver plans around an average of $1200-1300 a month which seems a lot more reasonable.
We are on DH's subsidized retiree plan. We had an over 250% premium increase this year since Megacorp only subisidizes a small part of the increase, but even so it is less than $500 a month. Like many, I worry that Megacorp will get rid of the retiree plan.