Heath Care Reform for Young AdultsAfter posting information about health care reform last week, several nannies emailed us with questions. Below is one question from a 23-year-old nanny named Sara.
Question: I am 23-years-old and working at my first live-in nanny job. The family I work for does not offer health insurance benefits. I feel I don't make enough to afford to pay the premiums myself. Will health insurance reform help young working nannies like myself?
Answer: Many young adults, like yourself, are uninsured because their jobs don't offer coverage, or they simply feel they are healthy and won't need health insurance. With the new health care reform law there is a safety net expanded for uninsured young adults by allowing them to remain on their parents' insurance until age 26. The coverage starts in September. You can expect premiums to increase slightly. The premiums for young adults are expected to be between $50 to $100 per month. Federal regulations will not invalidate state laws that provide coverage after age 26. Although medical insurance is mandated but dental and vision are choice of insurer.
Please feel free to email Stephanie @ Best Nanny Newsletter.com (with no spaces) with your health care reform questions.
Do you work as a nanny and receive health insurance as a benefit of your job?
I get 50% of my Health insurance paid for by my employers. It is a non-taxable benefit. When I have been hired for my last several positions I have sent articles on non-taxable perks to my employers to support my request for it.
ReplyDeleteGood for you Lisa but I have never had health insurance as a benefit yet but the parents and I have it stated in my contract once I am here at this job 6 months I will get health insurance coverage as a benefit of the job. :)
ReplyDeleteYes I do get health insurance benefits. I never heard of anyone purchasing insurance themselves, their jobs give it to them. My first job didn't but now I ask for it. A trial period before getting benefits of a few months is fine but I would happily take insurance as my first raise.
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