What Happens if You’re Under 26 and the ACA is Repealed?
If you’re under 26 and currently on your parents’ health insurance plan, you may be wondering what will happen if the Affordable Care Act (ACA) is repealed. The ACA allows young adults to stay on their parents’ health insurance plans until they turn 26. Without the ACA, you would need to find your own health insurance plan.
What are my options if the ACA is repealed?
If the ACA is repealed, you will have a few different options for health insurance. You can:
Get your own health insurance plan. You can purchase a health insurance plan through the Health Insurance Marketplace or directly from an insurance company.
Stay on your parents’ health insurance plan. If your parents are willing, you may be able to stay on their health insurance plan until you turn 26.
Get coverage through Medicaid or CHIP. Medicaid and CHIP are government health insurance programs for low-income individuals and families.
What should I do now?
If you’re under 26 and the ACA is repealed, it is important to start planning for your health insurance. You should:
Contact your insurance company. Find out if your current health insurance plan will still be available if the ACA is repealed.
Shop around for health insurance plans. If your current health insurance plan will not be available, you can start shopping around for new plans.
Consider your budget. Health insurance can be expensive, so it is important to consider your budget when choosing a plan.
Don’t wait until the ACA is repealed to start planning for your health insurance. By taking action now, you can make sure that you have affordable health insurance coverage in place.
Seek professional help
If you’re not sure what to do, you can contact a licensed insurance agent for help. An insurance agent can help you understand your options and find the best health insurance plan for your needs.
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