How does the health reform work for recent grads?

Question

Hello,
I recently graduated from college and shortly after my insurance notified me that I am no longer covered under my parent’s health plan. I am in the process of looking for a job and I would like to be covered under my own insurance, but as of right now it is taking time. However, back to the issue, I thought that the Health Reform act would allow me to stay on my parent’s insurance, if need be, until the age of 26. When I called the insurance as to why I was dropped they said that my dad’s employer put a requirement that I had to be 100% dependent and a full time student. Please help me understand how this is possible if The Health Reform states that I can stay on his insurance regardless of student status and whether or not I have a job (of course if the job offered benefits then that would be a different story). Who should I talk to without stepping on anyone's toes?

Answer 1

Your dad's employer received a waiver from Obama, only one of thousands of such waivers that have so far been granted. There is nobody you can talk to other than the president. Maybe you can get him to remove the waiver.



Your options are to get your own insurance right now without waiting for a new job with benefits. You can get short term medical policies which will tie you over until the new job or permanent policies if that new job doesn't have benefits. Most likely the premium for your own policy will be less than the group policy, unless you are on a family policy where it doesn't matter how many family members are insured.

Answer 2

To make the Z's answer plenty much less complicated for us = there is not any way for us to comprehend. The inexpensive Healthcare Act (Obamacare) enables you to nonetheless be on your mothers and fathers coverage till your twenty 6th birthday. the particular regulation says "except you're eligible for coverage through your guy or woman employer". - end precise there, this suggests you're "no longer" eligible to be on your discern's coverage anymore. Exceptions to that: a million. your mothers and fathers employer can enable you to proceed to be on the coverage if the prefer to. So the regulation relatively says that the employer would not "have" to allow you on the coverage yet they "can" in the event that they prefer to. = 50% of my consumers enable dependents as much as age 26 to proceed to be on the coverage, relatively with the aid of fact it extremely is a maintenance nightmare (you have gotten coverage right this moment, no do no longer day after today... we spend too plenty money on monitoring regardless of in case you're at the instant eligible or no longer). 2. if your mothers and fathers plan has had considerable transformations because September 23, 2010, the employer would desire to enable you to be on the plan. = yet another 25% of my consumers are in this occasion. the surely answer is, your discern's will would desire to ask their employer. That suggested. If the plan is paid as a "kin" (worker, better half, new child(ren)) = it would not fee you something to be on the plan and if your different sibling continues to be in college, it in all likelihood makes economic experience which you would be able to proceed to be on the plan. although, if the plan is paid = worker, worker +a million, worker + 2, worker + 3 or greater) = it will be inexpensive to your mothers and fathers which you would be able to get your guy or woman coverage, regardless of if taking the alternative your new employer is offering or looking a extreme deductible plan at a less high priced value for you. BTW = how do you comprehend what your particular prescription coverage is going to be? i think such as you're "making up excuses" to stay on your mothers and fathers plan. the particular fee is predicated on the particular drug, no longer some thing that's written in promoting materials so which you will detect the particular fee you will possibly prefer to call the recent insurer to confirm the over-the-counter and mail in fee, then be certain with the drugstore that they are not offering a coupon in this drug. seems unbelievable which you probably did all this.

Answer 3

it doens't work far anyone except illegals and the welfare crowd, and wil be ruled unconstitutional as soon as the supreme court gets off their butts and goes to work.

several states (23 i think) have enacted laws getting around it and all govt emps and unions are exempt, pretty freakin wonderful for the rest of us americans.