Nicholson Jennifer L, Collins Sara R
Commonwealth Fund, USA.
Issue Brief (Commonw Fund). 2009 Dec;73:1-22.
Young adults are one of the largest uninsured segments of the population. This analysis of new survey data from The Commonwealth Fund finds almost half are without insurance at some time during the year. As they hit milestones like high school or college graduation, they face loss of coverage as they are dropped from parents' plans or public insurance programs. In the current economic climate, young adults are less likely to find jobs, and when they do, are frequently offered positions that come without benefits. Provisions in the health reform bills could help young adults by expanding Medicaid eligibility, creating a health insurance exchange with premium subsidies, and requiring insurers and employers to allow young adults to remain on parents' plans up to age 26 or 27. These provisions could help young adults obtain and keep affordable, comprehensive coverage through transitions from school to work and from job to job.
年轻人是未参保人群中规模最大的群体之一。对联邦基金新调查数据的分析发现，几乎一半的年轻人在一年中的某些时候没有保险。随着他们达到高中或大学毕业等人生节点，由于被父母的保险计划或公共保险项目除名，他们面临着保险覆盖范围的丧失。在当前的经济形势下，年轻人找到工作的可能性较小，而且即便找到工作，他们往往得到的是没有福利的职位。医疗改革法案中的条款可以通过扩大医疗补助资格范围、创建带有保费补贴的医疗保险交易所，以及要求保险公司和雇主允许年轻人在年满26岁或27岁之前继续留在父母的保险计划中，来帮助年轻人。这些条款可以帮助年轻人在从学校到工作以及从一个工作岗位到另一个工作岗位的过渡过程中获得并保持负担得起的全面保险。
