Young Americans Resistant to Obamacare

[Grumpier Than Uncle Joe]

What's missing here is "why" should the ones who are now able to ride on their parents insurance until they are 26 sign up for individual insurance?   In a way, the very persons they need to sign up are the ones who they gave a waiver to.

Plenty of the "young invincibles" parents don't have insurance.

Hence the phrasing "... the ones who are now able to ...".  Those who aren't able to ride on their parents plans probably can't afford individual insurance on their own without government subsidies as it is, so they won't be the ones providing the needed funding the legislation is banking on.

The problem with so much of the ACA is that there's not going to be near enough going in to handle what's going out.

[Grumpier Than Uncle Joe]

What's missing here is "why" should the ones who are now able to ride on their parents insurance until they are 26 sign up for individual insurance?   In a way, the very persons they need to sign up are the ones who they gave a waiver to.

Plenty of the "young invincibles" parents don't have insurance.

Hence the phrasing "... the ones who are now able to ...".  Those who aren't able to ride on their parents plans probably can't afford individual insurance on their own without government subsidies as it is, so they won't be the ones providing the needed funding the legislation is banking on.

It's not the funding that's needed. It's a broad risk pool that's needed.

A broad risk pool (and LOTS of them) are need to fund the ACA.  MODU doesn't think that will happen, and I happen to agree at this point.

[Grumpier Than Uncle Joe]

What's missing here is "why" should the ones who are now able to ride on their parents insurance until they are 26 sign up for individual insurance?   In a way, the very persons they need to sign up are the ones who they gave a waiver to.

Plenty of the "young invincibles" parents don't have insurance.

Hence the phrasing "... the ones who are now able to ...".  Those who aren't able to ride on their parents plans probably can't afford individual insurance on their own without government subsidies as it is, so they won't be the ones providing the needed funding the legislation is banking on.

It's not the funding that's needed. It's a broad risk pool that's needed.

A broad risk pool (and LOTS of them) are need to fund the ACA.  MODU doesn't think that will happen, and I happen to agree at this point.

No, MODU seems to think the ACA relies on young people paying their own way, which is not true. They are needed to spread the risk and lower (or at least slow the rise of) premiums for everybody.

Would you agree the pool not only needs to be diverse but big, and I mean BIG?  Right now the only ones jumping in the pool are unhealthies (probably at high numbers).  We need a wide range of young healthies joining to offset the others, or the pool will be toxic.

[Grumpier Than Uncle Joe]

Most 20-somethings will be covered by their parents' insurance until they're mature enough to buy insurance on their own.

Right, and they knew this, but a drastic influx of 27-40 year old healthies better jump in the pool fast, because the only ones likely signing up at this point are the unhealthies with preexisting conditions, or ones worried they're going to need it in the immediate future.

Right now it's a kiddie pool and someone pooped in it......it needs to be a big pool with lots of clean water to offset the toxicity.