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Big Nanny’s slacker plan: Mandating insurance for adult “children”

By Michelle Malkin  •  December 21, 2009 12:25 PM

Several times during the cloture debate on Sunday, Democrats hailed a provision requiring insurance plans that cover dependents to provide benefits to children up to age 26. Democrat Sens. Ben Cardin and Tom Harkin both championed the unfunded mandate in ther floor statements.

This manifestation of the Nanny State is especially galling given the massive levels of generational theft that the Democrat majority has presided over the last year.

I can tell you what most fiscally responsible parents are thinking when they hear the feds “taking care” of everyone else’s adult “children” for them by confiscating their tax dollars and forcing private companies to comply:

What. The. Hell.

There are an estimated 20 states that have already passed legislation requiring insurers to cover adult children. And it’s these very government health care mandates that are driving the cost of insurance up:

“Whenever you insure somebody whom you didn’t insure before there’s some additional risk,” said Mueller, executive vice president of the Wisconsin unit of Willis Group Holdings Ltd., one of the world’s largest insurance brokers. A state requirement that insurers cover autism and mental health has added 3% to the premium rates of employer-sponsored plans that renew on Jan. 1, when those mandates also take effect, Mueller said. Extending coverage is good, he said, but doesn’t come free. “The problem with all these good ideas is there’s funding necessary,” Mueller said.

About 20 states require insurers to offer parents coverage of adult children through what are sometimes called “slacker plans,” according to the Council for Affordable Health Insurance, an advocacy group whose membership includes insurers, health-care providers, actuaries and insurance brokers. About 10 states have enacted such laws in the past few years, said J.P. Wieske, the organization’s director of state affairs.

…”Employers do not have the appetite right now or the means to take on additional risk, no matter how noble. . . . People are stretched to the max,” Mueller said.

In New Jersey, the slacker mandate covers “children” up to the age of 30.


To date, 17 states have passed slacker mandates, with ages ranging from 24 to 30. New Jersey passed its slacker mandate in 2006, extending coverage for adult children up to age 30. Proponents claimed it would benefit 100,000 uninsured young adults. Yet in two years, only 6% of that estimate has been realized. The primary reason—health insurance is still too expensive…Placing mandates on insurance providers forces everyone to pay more for insurance—even those who do not want and will never use the additional coverage.

Demcare: Creating a permanent culture of dependency and bottomless debt in the name of the “children” from birth through quarterlife — and beyond.

The new symbol of the Democrat majority and the Nanny State Gone Wild: A giant adult pacifier.

Via Mooncostumes.com


Reader Kevin who works in the insurance business in NJ e-mails that the state actually mandates coverage for adult children to age 31, not 30.


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