Pharos-Tribune

Community News Network

November 29, 2013

5 myths about health care's 'young invincibles'

Coined by the health insurance industry, the term "young invincibles" has come to describe 18- to 34-year-olds who go without coverage because they expect to remain healthy. But young invincibles are crucial to making the Affordable Care Act work: The White House is counting on them to buy coverage under the new law, helping to spread the risk and hold down premiums for everybody. Let's debunk a few myths about who these uninsured young people are and what they want from the health-care system.

1. Young adults are uninformed about the health-care law.

Young adults tend to be about as aware of the health-care law as the rest of the population. A Kaiser Family Foundation poll in August found that 33 percent of adults had heard nothing about their state health insurance exchanges. That figure was 43 percent among 18- to 25-year-olds and 41 percent among 26- to 35-year-olds. Separate polling from the Pew Research Center found that young adults were more aware than any other demographic that the health-care law offers subsidies for low-income Americans to purchase insurance. However, they were less aware of the requirement to buy coverage.

Young Americans are especially aware of the provisions that affect their own coverage options, most prominently the option to stay on their parents' insurance plans until age 26. A Commonwealth Fund poll in March found that 62 percent of young adults knew of that program.

2. They don't want health insurance.

Young adults do have the highest uninsured rate of any demographic, with about 27 percent of people between 19 and 34 lacking insurance coverage, according to the Kaiser Family Foundation. But health-care experts say this doesn't necessarily mean that they don't want insurance, but rather that they are less likely to be offered coverage through their employers. That's because more young people work part-time or hourly-wage jobs that do not offer health benefits. When offered coverage by their employers, about 80 percent of young adults sign up — about the same rate as older workers.

Text Only | Photo Reprints
Community News Network
Hyperlocal Search
Premier Guide
Find a business

Walking Fingers
Maps, Menus, Store hours, Coupons, and more...
Premier Guide
Poll

The Pence administration continues to cut Indiana agency budgets despite a state surplus of $2 billion. Is this wise management of state funds?

Yes
No
Not sure
     View Results
Featured Ads
AP Video
Raw: Fight Breaks Out in Ukraine Parliament Bodies of Malaysia Jet Victims Leave Ukraine Disabled Veterans Memorial Nearing Completion Last Mass Lynching in U.S. Remains Unsolved Home-sharing Programs Help Seniors Ex-NYC Mayor: US Should Allow Flights to Israel Clinton: "AIDS-Free Generation Within Our Reach" Judge Ponders Overturning Colo. Gay Marriage Ban Airlines Halt Travel to Israel Amid Violence NYPD Chief Calls for 'use of Force' Retraining VA Nominee McDonald Goes Before Congress Bush: Don't Worry, Sugarland Isn't Breaking Up US Official: Most Migrant Children to Be Removed Police Probing Brooklyn Bridge Flag Switch CDC Head Concerned About a Post-antibiotic Era Raw: First Lady Says `Drink Up' More Water Courts Conflicted Over Healthcare Law Holder Urges Bipartisanship on Immigration Raw: Truck, Train Crash Leads to Fireball US Airlines Cancel Israel Flights
Parade
Magazine

Click HERE to read all your Parade favorites including Hollywood Wire, Celebrity interviews and photo galleries, Food recipes and cooking tips, Games and lots more.