Question about the new health care laws?

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  • Question about the new health care laws?


Answer #1 | 02/01 2014 14:09
Your parents will pay the extra to have you on their policy. If you dont want to be on their plan, you can get your employer plan instead. I dont like the term "opt out". You dont enroll in the employer plan if you prefer your parents plan until you are 26. Your employer plan is not free for you either. Both require you pay a part of the cost.
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Answer #2 | 02/01 2014 11:45
There are restrictions to your eligibility under your parents' plan. You may not be able to stay on it when you are working full time as you would not be considered a dependent. However, you will have to check with your individual policy.
Answer #3 | 02/01 2014 13:38
If you're covered by your parents plan you're OK, don't need to get your own separate plan.
Answer #4 | 02/01 2014 11:49
You'll have to have you parents ask that question to their insurance agent. If you are employed full time, you might no longer be eligible for their plan because you're no longer considered a dependent. If that's the case, then their plan will drop you regardless. You can always opt out of your company's health plan. Just be aware that now that you're employed, you might not qualify on your parents plan anymore. If that's the case, you'll have to either join the company plan or purchase your own insurance.

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