Despite policymakers’ attempts to repeal all or parts of the Affordable Care Act (ACA) nearly 60 times, the ACA works. Further, both times all or certain provisions of the ACA have been to the Supreme Court, the health care law has remained mostly intact. In 2014, the ACA enhanced the well-being of nearly 460,000 North Carolinians who were able to obtain affordable health care coverage. Open Enrollment 3 started on November 1, 2015 and goes until January 31, 2016. While many residents of the Tar Heel state understand the benefits of the ACA, only 28 percent of enrollees are young adults based on 2014 enrollment data. Tomorrow, January 21st, is National Youth Enrollment Day and advocates of the ACA are encouraging young adults to get covered.
Why should young adults enroll in the ACA?
- Even though the ACA allows youth until age 26 years to remain on their parents’ insurance, adults between the ages of 19 and 34 years are still the most likely to be uninsured.
- Many pediatricians will continue seeing patients until they complete secondary school and college or until 18 to 21 years. For many young adults, once they leave pediatric care, they do not have a regular primary care doctor until their 30s and 40s.
- Young adults are the least likely to have a health care home. Individuals who do not have a regular place to seek health care are more likely to rely on urgent or emergency care.
- Over 20 percent of health care for adults between 20 and 29 years takes place in emergency departments. Care young adults receive in emergency departments is less urgent than other age groups.
- You can shop the Marketplace to find a coverage plan that fits your budget. This is especially important because…
- Young adults were the hardest hit by the Great Recession, thus increasing the need for financial help in obtaining care through the ACA;
- The average amount of financial help North Carolinians receive is $315 per month;
- The penalty for not obtaining health care coverage has increased to $695 per person or 2.5 percent of one’s household income, whichever is higher. For more information please visit: https://www.healthcare.gov/fees/fee-for-not-being-covered/ or call: 1-855-733-3711;
- As of November 2015, 81 percent of ACA enrollees from NC selected plans that cost less than $75 per month.
- Health care coverage offers one peace of mind…
- No longer have to worry about whether you can access affordable or quality care when you need it;
- No longer have to worry about waiting until a health concern becomes severe or chronic and thus more costly;
- No longer have to worry about bankruptcy or the financial burden from medical bills if you or a loved one gets sick.
- Affordable health coverage helps young adults access primary care preventative care…
- Since the implementation of the ACA the percent of young adults that seek routine care increased from 42 percent in 2006 to approximately 50 percent in 2012.
- Mental health problems and disorders are most likely to present themselves in one’s mid-20s. Young adults between ages 18 and 25 years have higher rates of mental health problems and substance use disorders (SUD) than 26 to 34 year olds, but only 50 percent receive treatment for mental health and 11 percent receive treatment for SUD.
There are 11 days left to enroll, please visit healthcare.gov to start the enrollment process!