Yes, from 18 and for almost 40 years, I’ve had health insurance without lever a lapse. I’ve retired and carried the employee plan into retirement.
2 things (the only 2) things I liked about the ACA was being able to carry my kid on my plan till he’s 26. He’s healthy, in school, and it makes sense. I pay for it, but at least he had insurance. Plus, if I didn’t pay for him on the family plan, he’d probably get Medicaid since he’s not working while in college and that’s what he’d be allocated. I don’t need the fed govt paying his insurance when I can.
I also like the new pre existing condition change.
Hey, if you want your grown son on your health insurance and a health insurance company wants to offer you that option, that’s fine.
But the idea that coverage for him should be mandated and such coverage should be included as part of everyone else’s insurance is Orwellian.
Despite threats that otherwise adult students should be covered by the government via Medicaid.
Remembering back to my college days, getting insurance wasn't that big of a deal. Insurance was cheap and part of the fee structure at the 4 year university I attended. It covered time between semesters and one could purchase coverage for a period of time after graduating or leaving early. Fast forward about 30 years, and that is still the case for the university in my town. The student health literature suggests making a close comparison between parent's coverage and university coverage especially if the student is in an out of network area. The cost of the student insurance is a bit below the cost of the minimum tax of $695.
Even if student insurance isn't offered at your son's school, catastrophic coverage probably isn't all that much more than what your paying to your plan. Although employer plans are forced to cover 26 year old's, they don't have to subsidize the costs.