The answer is obvious, right?
They take up more seats, require more server time, and eat more food.
Why do I ask?
As the GOP moves to Repeal & Replace ObamaCare, a constant refrain is ‘everybody agrees that two popular parts of ObamaCare should be saved: insurability for pre-existing conditions and allowable coverage of ‘adult- children’ on their parents’ policies until they are 26”.
I agree that there needs to be a way to cover pre-existing conditions, but … except for special needs situations, I respectfully disagree re: adult-children.
First, the term “adult-children” gives me the creeps. But, that’s beside the point.
More on point, I don’t care if insurance companies have to carry 26 year olds on their parents’ policies, but I don’t understand why they should “fly free” and that you & I should have to pay for it … not the adult-children’s parents.
Let me explain …
Now, practically all employer-sponsored health insurance plans charge premiums in tiers: employee only, employee plus spouse, employee plus children, and employee plus spouse and children. Note: it doesn’t matter if the employee has 1 child or a dozen children … same premium.
For example, the United Healthcare plan through Georgetown — which is probably pretty typical — charges:
Let’s dive a little deeper into those numbers …