what you need to know about health care
what you need to know about health care
Posted by Youth Radio Editor on November 18, 2009 at 02:40pm

By: Emily Beaver

Last weekend, the House of Representatives passed its version of health care reform, the Affordable Health Care for America Act, or H.R. 3962. The bill is almost 2,000 pages long. Haven't read it yet? Here are a few parts of the bill that could have a big impact on young people.

The Individual Mandate
Under H.R. 3962, everyone would be required to have health insurance, a policy known as an "individual mandate." This could be a big change for people ages 19-29, who are less likely to have health insurance than other age groups. However, the bill doesn't just require everyone to get insurance -- it aims to make getting insurance easier. Allowing more people to be insured through the Medicaid program, letting young people stayed insured under their parents' plans until age 27, and creating an exchange where individuals could buy health insurance are a few strategies to help more people get insured. Anyone who doesn't have insurance would be fined up to 2.5 percent of their income.

Staying Insured Under a Parent's Plan
The House bill would allow children to stay insured under their parents' private health insurance plans until age 27. This change could occur as soon as January 2010, unlike other parts of health care reform that wouldn't go into effect until 2013, Rodgers says. Since some states allow insurance companies to to drop young people from their parents' health plans once they reach their late teens or early twenties, this change could help more young people keep their health insurance.

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