How does the Patient Protection and Affordable Care Act (ACA) help children and young adults get access to health care?

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member6552 (Organization (Verified) ) - 06 / 21 / 2012

The Patient Protection and Affordable Care Act (ACA) helps children, adolescents, and young adults in many ways, by increasing access to health insurance and affordable health care. Specifically, children under age 19 can no longer be denied private health insurance coverage because they have a pre-existing medical condition. Previously, insurance companies could deny insurance coverage to anyone with a pre-existing medical condition, which could be something less serious such as allergies, or more serious such as cancer. As of September 23, 2010, insurance companies are now required to provide coverage to children up to 19. This will also apply to all adults, beginning January 1, 2014.

In addition, adolescents and young adults can now stay on their parent’s individual or group health insurance plan, until they are 26. The ACA does not require that young adults be full time students or dependents under IRS standards. Young adults just have to be under 26 and not eligible for their own employer-sponsored health insurance coverage. So, even if the young adult is married, that young adult can remain on his or her parent’s insurance coverage. If the young adult loses eligibility under a parent’s plan by aging out, then COBRA may be an option.
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