The majority of young people who get their coverage through employers and those who are unemployed get to stay on the parent's plan to their mid-20's... And the GOP expects them reject Obamacare ??? http://www.washingtonpost.com/opinions/matt-miller-the-gops-obamacare-youth-hoax/2013/08/21/39a5a3a2-0a5a-11e3-8974-f97ab3b3c677_story.html The GOP’s Obamacare Youth Hoax By Matt Miller, E-mail the writer It’s rare for a political party to trumpet a position that unintentionally reveals its myopia, incoherence and expediency. Yet such is the trifecta with the Republican campaign to call attention to Obamacare’s young “victims.” Republicans are obsessed with the supposed injustice being done to some healthy young people who will effectively subsidize their sicker elders when Obamacare’s individual mandate takes effect. The crusaders are nothing if not convinced of the righteousness of their cause. “The whole scheme is enlisting young adults to overpay, so other people can have subsidies,” Dean Clancy, a vice president at FreedomWorks, told my Post colleague Sarah Kliff. “That unfairness reminded us of the military draft.” Conservatives are therefore urging young Americans to resist. “I’m burning my Obamacare draft card,” runs one theatrical riff from a group called Young Americans for Liberty, “because I’m too busy paying student loans to pay for somebody else’s health insurance.” Republican policy advisors have urged the party to make such child abuse a big part of their anti-Obamacare message. Sounds like a sexy argument, except for one thing. Republicans seem to have forgotten where most people aged 19 to 34 get health coverage: from their employer. And at virtually every company, young people pay the same premiums as employees who are much older than they are and who get more expensively sick than they do. In other words, the evil cross-subsidy Obamacare’s foes are storming the barricades to roll back already exists, at vastly larger scale, in corporate America. These youngsters are already in chains! They’ve been put there by the private sector! And, inexplicably, young employees have entered this servitude of their own volition. (To extend the GOP’s draft analogy, it turns out there’s a voluntary army of health care masochists from sea to shining sea.) How could injustice on this scale escape the GOP’s searing moral scrutiny? After all, the president is only hoping thatabout 2.7 million young people will purchase coverage in the new exchanges. But 20 million Americans between the ages of 19 and 34 get coverage from their employer right now, according to an analysis by the Kaiser Family Foundation. If you’re keeping score, that makes employer-based health care’s cross-subsidy about eight times more evil than Obamacare’s. How does it work? Compare a typical, strapping young employee of 28 to her broken- down 58-year-old colleague. These two employees have very different annual health expenses. Yet under the nefarious plot known as “group health insurance,” they basically pay the same premiums. It turns out every big company in America is essentially a socialized health care republic, in which the young subsidize the old, and the healthy subsidize the sick — all of whom pay the same premiums for the same plans. Similar dynamics explain why, in the federal health-care plan, spry 42-year-olds like Marco Rubio and Ted Cruz subsidize 79-year-old geezers like Chuck Grassley and Orrin Hatch. Maybe that’s why Cruz always seems so angry.