eCAHealthInsurance Defines Alternative Plans To Help Parents Cover Children Age 19 And Older

Feb. 22, 2011 - PRLog -- According to the Department of Health and Human Services, approximately 30 percent of young adults lack health insurance coverage. Seventy-five percent of young working adults cannot get health insurance through their employer, according to the national organization Young Invincibles.

To address this problem, one of the provisions of the federal Patient Protection and Affordable Care Act (ACA) allows parents or guardians to keep children on their health insurance plan until age 26. This is estimated to expand health insurance coverage to about 1.2 million adult children between the ages of 19 and 25.

Under the ACA, children over 18 cannot be charged more than younger dependent children and only 16 percent of 800 employers questioned in a recent Mercer survey planned to raise employee contributions for all dependents. Parents and guardians, however, are seeing another increase in the cost of insuring children over the age of 18. They are discovering that adding an older child to their group plan from work is taxed as an increase in their income.

As the leading online specialist in health insurance for California, eCAHealthInsurance has investigated coverage available from California health insurance companies to define an alternative way to cover children over the age 19, which may result in a lower overall cost for parents and guardians.

Coverage through Anthem Blue Cross includes three individual health insurance alternatives for young adults that rival group coverage. Tonik health insurance premiums can be as low as $79 for healthy 19- to 29-year-olds, depending on location. Available throughout California, this PPO coverage has a choice of $1,500, $3,000 or $5,000 deductibles for major medical. Another provision of the ACA mandates that preventive care is covered even before the deductible is met.

As the President of eCAHealthInsurance, Wiley Long advises, “The Tonik plans are specifically designed to cover young adults under age 30 at the lowest rates available. Premiums are also good for people over 30, but underwriting is only accepting applications for people in good health. Before parents add children to their group coverage plans and incur higher contributions levels or tax rate increases, it pays to look into this new alternative health care plan.”  

To help parents and guardians investigate coverage options, eCAHealthInsurance provides free, immediate access to licensed California health insurance professionals at 1-866-585-7662 from 6 AM through 8 PM Pacific. As a leader in online family, individual and small business California health insurance, http://www.eCAHealthInsurance.com researches hundreds of health plans from insurance companies, which earn the highest ratings for financial stability from independent rating organizations, such as A.M. Best.

For more information and news, visit http://www.eCAHealthInsurance.com for our California Health Insurance in the News and visit http://www.eCAHealthInsurance.com/cahealthnews for our California Health Insurance News Blog.

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About eCAHealthInsurance:

eCAHealthInsurance is the nation's leading independent health insurance firm specializing in family, individual and small business coverage for California. Through our comprehensive website at http://www.eCAHealthInsurance.com/, we offer comprehensive information on health insurance plans from insurance leaders and additional benefits to reduce health care expenses. We provide instant quotes, online applications and immediate access to licensed California health insurance professionals at 1-866-585-7662 from 6 AM through 8 PM Pacific.