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How Healthcare Reform Will Affect Children

Five Ways the Healthcare Reform Bill Will Help Kids

The headlines were glaring – almost nine percent of US children are living without health insurance, fearing every cold, cough, or earache they encountered each year. With the House of Representatives’ passage of the Senate’s bill, those 8.7 million tots can rest a bit easier.

As the healthcare reform debate dies down, the country’s youngest citizens are one of the biggest beneficiaries of the new bill. Here are five ways the new legislation will help children.

  • Beginning this year, insurance companies will be prohibited from denying coverage to children with pre-existing health conditions.
  • Also beginning this year, insurance companies will no longer place lifetime caps on policies, or drop a patient if he gets sick.
  • Insurance companies will be required to pay for preventive services, including medical procedures as vaccines recommended by the Centers for Disease Control.
  • For parents of older kids, you will now be able to keep them on your insurance until they are 26-years-old.
  • The Children's Health Insurance Program, which helps lower-income families, will be maintained in its current condition, even by states that are looking to cut costs.
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Join The Conversation
Tamara84 Tamara84 5 years
I agree with you amandachalynn. I'm 26 years old, and in grad school, and guess what? I PAY MY OWN INSURANCE. And I'm not going to ask my parents to put me on their insurance plan, again because I am an ADULT and I can pay for my own things. The problem with our society is "ACCOUNTABILITY" and "RESPONSIBILITY". Everyone wants and "bail-out" and a "quick fix". No one wants to suffer the consequences of their own actions anymore. And most of us are not in college until age 26 unless we are going for a professional degree... If those individuals are still doing undergraduate work, I'm worried... I know very few people in college at 26 and if they are, they are usually working, paying their own way... Life is all about choices and sacrifice. Yeah, I have not gone on vacation in 3 years, but I am insured because I CHOOSE TO BE, and I live in a country where I get to make the chose. I'll keep my freedoms and pay the extra $2000 a year and feel good about myself because I know that I made the right and moral choice. I'd like to know how many of these "students" who can't afford health insurance have cable TV, flat screens, laptops, and iPhones because it seems that our society has decided that those are "necessities". Please... our priorities are SO screwed up.
Tamara84 Tamara84 5 years
I agree with you amandachalynn. I'm 26 years old, and in grad school, and guess what? I PAY MY OWN INSURANCE. And I'm not going to ask my parents to put me on their insurance plan, again because I am an ADULT and I can pay for my own things. The problem with our society is "ACCOUNTABILITY" and "RESPONSIBILITY". Everyone wants and "bail-out" and a "quick fix". No one wants to suffer the consequences of their own actions anymore. And most of us are not in college until age 26 unless we are going for a professional degree... If those individuals are still doing undergraduate work, I'm worried... I know very few people in college at 26 and if they are, they are usually working, paying their own way... Life is all about choices and sacrifice. Yeah, I have not gone on vacation in 3 years, but I am insured because I CHOOSE TO BE, and I live in a country where I get to make the chose. I'll keep my freedoms and pay the extra $2000 a year and feel good about myself because I know that I made the right and moral choice. I'd like to know how many of these "students" who can't afford health insurance have cable TV, flat screens, laptops, and iPhones because it seems that our society has decided that those are "necessities". Please... our priorities are SO screwed up.
nicmic113 nicmic113 5 years
they will also be the ones paying for it, what a wonderful burden that has already been placed on our young children- and we celebrate it - vomit
merie33 merie33 5 years
This makes me happy, and I'm curious to know if young 20 somethings who were previously removed from their parents health insurance will be able to go back on it. I'm 21, and work two separate jobs in order to make payments on the $1200 worth of student loan bills I have to pay back every month. I live at home, but since I'm not a full time student the insurance company kicked me off last month. I'm having trouble making ends meet as it is, there's no way I can afford an extra $150 a month in health insurance. To assume that there must be something wrong with anyone close to 26 who can't support themselves is quite judgmental and honestly, a little ignorant. We all have factors in our lives that prevent things or may change a situation based on the individual.
merie33 merie33 5 years
This makes me happy, and I'm curious to know if young 20 somethings who were previously removed from their parents health insurance will be able to go back on it. I'm 21, and work two separate jobs in order to make payments on the $1200 worth of student loan bills I have to pay back every month. I live at home, but since I'm not a full time student the insurance company kicked me off last month. I'm having trouble making ends meet as it is, there's no way I can afford an extra $150 a month in health insurance. To assume that there must be something wrong with anyone close to 26 who can't support themselves is quite judgmental and honestly, a little ignorant. We all have factors in our lives that prevent things or may change a situation based on the individual.
kurniakasih kurniakasih 5 years
Wow, I didn't know insurance usually rejects people with pre-existing conditions. My niece (from my hub's family) who's born with cerebral palsy has been on insurance throughout her life, she's undergone at least 1-2 surgeries per year (bless her dear heart, she's a strong young lady). And I know in my state, every children has to be covered with health insurance (no matter what), if parents can't afford it, they'd apply with the state's Health Plan (yes, we have the state's-government based-insurance program, we're in Oregon). I was a little surprised that it's different in other states.
kurniakasih kurniakasih 5 years
Wow, I didn't know insurance usually rejects people with pre-existing conditions. My niece (from my hub's family) who's born with cerebral palsy has been on insurance throughout her life, she's undergone at least 1-2 surgeries per year (bless her dear heart, she's a strong young lady). And I know in my state, every children has to be covered with health insurance (no matter what), if parents can't afford it, they'd apply with the state's Health Plan (yes, we have the state's-government based-insurance program, we're in Oregon). I was a little surprised that it's different in other states.
amandachalynn amandachalynn 5 years
Anon 2, I have 2 friends in grad school. They fully support themselves. One lives off the allowance she receives from her student loans and grants, the other works nights and weekends in a bar. They are adults who take care of themselves while working toward their goals.
MissSushi MissSushi 5 years
It is optional, like 21 is now for most companies? My parents just got contacted by their insurance company to ask if they wanted to keep my sister, who just turned 18, on the insurance until 21. I assume its like that? If not, i don't agree with it, and it seems silly, lots of people are married with kids by then anyway.
kurniakasih kurniakasih 5 years
Do they mandate parents to keep children on their insurance until they're 26 or is it up to the parents?What's going to happen in the case of children in divorce, assuming that one of the parent will be providing the health insurance, does s/he have to insure this adult until s/he's 26 instead of 21 yrs old?Just curious.
kurniakasih kurniakasih 5 years
Do they mandate parents to keep children on their insurance until they're 26 or is it up to the parents? What's going to happen in the case of children in divorce, assuming that one of the parent will be providing the health insurance, does s/he have to insure this adult until s/he's 26 instead of 21 yrs old? Just curious.
amandachalynn amandachalynn 5 years
I'm sorry, a 26 year old is an adult. It is ridiculous that they should still be on their parents insurance. By 26 you should be able to support yourself, unless you are developmentally disabled.
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