I guess that depends on the terms of their parents’ insurance. Where their parents paying the insurance companies to compensate for the risk that they would have to cover a disabled kid for his entire life?
Alternatively, the government could step in to subsidize people with severe medical conditions. But it makes no sense to require insurance companies to cover unprofitable customers, since this will invariably have adverse (and often unpredictable) effects on the market.
I don’t know of any insurance company that has an option to pay for risk that they would have to cover a disabled kid a for his entire life.
My daughter was born normal, and then got sick when she was 6 weeks old. She has a brain injury and epilepsy with a whole bunch of other problems.
What’s going to happen to her when she is an adult and off of our insurance? She’s got some learning disabilities, so it might be hard for her to get a job. (Not sure yet.)
My brother got cancer and was dropped from his private individual insurance. His wife got a job that had insurance, so he finally got covered.
I think it’s one thing for a person to choose not to have insurance. They are taking a risk. I think it is horrible to always have insurance and to be dropped or not covered by individual insurance.