Frequently Asked Questions from those Under 30
While talking with students on several local college campuses, a few questions were commonly asked. Here are the answers:
Q. How will this affect me with I graduate?
A. Graduating students under the age of 26 may stay on their parent's family plan. In Ohio, under certain circumstances, a child may stay on their parent's family plan until the age of 28.
Q. I am a foreign student, will I be covered or am I covered if I'm not a permanent resident.
A. The law addresses those that are permanent residents. Some colleges provide insurance for foreign students. In 2014, the health insurance exchanges will be available for anyone here legally.
Q. I do not have health insurance, will this law help me get covered?
A. If you are under 26, and your parent's have a family plan, you may remain on their plan. In 2014, you will be required to have insurance. If you are low income, you may receive free coverage or subsidized coverage through the health insurance exchange.
Q. I have a pre-existing condition and can't get insurance. Will this law help me?
A. Again, if your parents have a family plan, you can remain on it until you are 26. Also, the law created a pre-existing condition plan- or high risk plan, for those that have been denied insurance due to a health problem. To see if you qualify and what your insurance would be, go to www.pcip.gov In 2014, insurance plans will not be able to deny you insurance or consider your health status in determining your premium.
Q. I am married but 24 and still on my parent's insurance. How will this affect me? What about my pregnant wife?
A. You may remain on your parent's insurance until you are 26. It appears that you will be 26 in 2014, when you can purchase insurance on the health insurance exchange, if you do not have employer sponsored insurance. Your wife may also stay on her parent's insurance until she is 26. You may want to look into public support options for low income families for coverage for your wife and newborn.