Many Young Adults Use Parents’ Insurance to Treat Substance Abuse, Mental Illness
Young adults who receive health insurance through their
parents’ plans because of the Affordable Care Act (ACA) are more likely
to use the coverage to treat substance abuse, mental illness or
pregnancy, compared with their peers who already had coverage, a new
report finds.
These three conditions accounted for 60 percent of hospital claims
for young adults who were enrolled in their parents’ health plans in
2011, as a result of ACA, according to The Hill. The findings come from a study by the Employee Benefit Research Institute (EBRI).
In contrast, substance abuse, mental illness and pregnancy accounted
for about one-third of claims in a group of young people who were
already enrolled in their parents’ plan before healthcare reform took
effect. Under ACA, health plans that provide dependent coverage must let
young adults remain on their parents’ plan until they are 26.
As a result of the law, 3.1 million young adults have gained
coverage, EBRI estimates. The uninsured rate among young people ages 19
to 25 has fallen significantly over the past several years.
The EBRI study found young people enrolled in their parents’ plan
after 2011, when the provision took effect, spent an average of 15
percent more on healthcare, compared with their peers who were already
on their parents’ plan.
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