888-765-5400The Invincibles
THE INVINCIBLES
They’re young. They’re just starting out. They’re often paid lower wages. And, in some cases, they can’t imagine themselves as sick or helpless. They’re used to being covered on their parents’ plans, but they’ve reached the age when they’re no longer eligible for dependent coverage. Whatever the reason, those from 18 to 34 comprise the group that’s most likely not to have health insurance coverage.* As a result, preventive care is neglected, routine checkups are delayed, and needless financial and physical suffering is experienced during what for many is the most carefree period in our lives. Obviously, the cost of health insurance is an issue for many people just starting out in the workforce. Yet, others who should be able to afford coverage are choosing not to buy it. A number of states have tried to address this issue by raising the age at which insurers must consider adult children as dependents for insurance purposes. Fifteen states require coverage for adult children, with the maximum age varying from 19 to 30. Several states require coverage indefinitely for disabled adult children.** The Blue Advantage® product for individuals allows dependents to remain on their parents’ policy until they turn 26, regardless of whether they are a student, in the workforce or unemployed.
For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our qualified agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.
Holmes M., Analysis of U.S. Census. Current Population Survey (CPS) 2004–2005 (Calendar years 2003–2004). Cecil G. Sheps Center for Health Services Research, The University of North Carolina at Chapel Hill. 2005. The analyses are based on two-year average of 2004–2005 CPS data weighted more heavily to the most recent year.
States requiring coverage of adult children are CO, DE, IL, ME, MD, MA, NC, NH, NJ, NM, OR, RI, SD, TX. National Council of State Legislatures. January 2007.