Sorry but the kids on mom and dad’s plan is the very worst thing about it!
That has to go before it bankrupts the 50 somethings.
Those kids can vote, sign a legal contract, join the military, take on loans, get married, have kids and all sorts of other stuff, but you have to lay fir their insurance till they’re 26? Complete bullshit.
Have to pay for the kids? No - that is ONLY if Mom & Dad ALLOW it. It is OPTIONAL. Maybe you have a kid who graduated from college and is in grad school full time, and simply doesn’t make the money necessary to pay for the insurance and all of their other expenses. If Mom & Dad want to help out their kid, who is ANYONE to tell them that they can’t? If the parents can’t or don’t want to do so, then they simply don’t. THAT is the essence of freedom - even if it is a choice that you or I wouldn’t necessarily make.
Again, this is NOT required, it is OPTIONAL even now. I see no reason to change it.