One of our public universities requires students to have proof of health insurance or they put you on their plan for several hundred $. YMMV of course.
Yeah, I don’t recall what was involved in opting out of the health insurance when I was in college because I never did. My dad was self-employed and the insurance through the university was really cheap… less than he’d been paying.
The ACA made college health insurance really difficult to make a profit on. I would be surprised if there are many carriers left offering it!
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why’s that? 18-23 year olds are still usually healthy, aren’t they?
Because if your loss ratio is (IIRC) less than 90%, you have to refund premium. There is only downside exposure.
I never worked in pricing for the product, only reserving, and I never worked in any other comparable health LOBs, but college health used to be a big product for us, and it quickly became a product we no longer offered post-ACA.
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Thought the loss ratio had to be 80%, not 90%, before you refunded premium. That still seems a little high to give you a profit in good years that balances out the bad years, though.
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It could be, I could be misremembering it, but I do remember it being a struggle to make money.
being on a parent’s plan to age 26 also took demand down like 90% i assume
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I think pre-ACA the norm was until age 22 or age 24 if enrolled in college.
So for a college plan it would only be the age 24 & 25 year-old students affected by it.
Presumably, the cohort of young adults without parents who have health insurance is sicker than the cohort who do have parents with health insurance.
Maybe 
I got the college’s health insurance because my dad was self-employed and the college’s insurance was cheaper than what he had been paying for out of pocket.
I would think the poorest kids wouldn’t get the health insurance because they’d still qualify for Medicaid. So I’m not sure what impact that would have on who does and does not choose the student health insurance option.
I know in grad school I was annoyed that it was only available for undergrads.
Today is apparently going to be coordinating with 2 other people in 2 other states trying to get a DL fixed. You know, the DL I thought we had fixed a month ago but apparently isn’t now because m had a state-issued ID [which I didn’t know about and m forgot about] that had their birth name on it, and the state now says oh, you have a driver’s license in [new name] and an ID in [old name] - that’s wrong, so now neither one is valid. I know, you’re thinking “just surrender the ID and we’re good,” right? Nope - the only way to fix this is “we need your original birth certificate.” Which, apparently is also supposed to have the current legal name on it.
I’m having them [with one of the other bonus parents] go to a different DMV to see if we can get someone less stupid and/or more helpful, because as it was explained there is no possible way m can now get a DL or ID with the information demanded - and, according to the asshat at the DMV they were at, they no longer have a valid DL or ID. Which, I agree, seems astronomically stupid, but we’re talking about government rules which someone wrote and didn’t think through.
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They did finally get the DL sorted out. TL;DR - the guy at the DMV was an idiot. Apparently it was just “documentation didn’t show up in the system in the right spot for some reason.” Easy fix, DL is fine. Huge relief all around.
Thanksgiving, m and M went to the stepfather’s parents’ house. They have a really good relationship with that set of adopted grandparents, but knew the stepfather was going to be there and was likely to be an ass and they were nervous about how that was going to go. It went a lot better than expected, even as the stepfather was being a raging ass. [But I repeat myself.] m and M would talk, SF would backtalk to both of them; they ignored him completely. At some point, SF’s parents and siblings jumped his ass about it and asked why he was 50 and barely acted 3, and if you can’t be any more mature or respectful, you should leave. Which, he stormed off to his shithole in the basement. [Yes, all the “live in your parents’ basement” jokes apply.]
They’ve had a really good Thanksgiving break so far. Far better than I’m sure they’ve had in a long time, if ever.
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Next week, Mrs. H and I will be down visiting family. 1-2 days of that will be having m and M over with us. Part of that is going to involve putting a permanent end to communications between their POS stepfather and them, especially after … I don’t even know where to start, because holy fucking shitshow Batman.
I may be consuming mass quantities of Irish creme as a result. Or maybe I’ll just consume some because 
.
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You could have it with cereal.
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there’s no bad way it seems.
Today is going to be “truth and reconciliation day,” part 1 in a surely ongoing series. 
We have to make phone calls to two banks stating that their mom obtained credit cards without their consent and committed fraud by using those cards in their name.
One of the kids was already contacted by a debt collection agency on one of their cards. I sent a response noting it was fraud and that if they disputed that they needed to send every document from the signed application to signed receipts for every purchase to every communication sent from the card issuer, including statements, and every address, phone number, e-mail, whatever that the communication was sent to - because I was going to ask for that if they intended to pursue the matter further. That was about 6 weeks ago; thus far, no response. I’m hoping it stays that way.
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Got the first set of calls done. Went well in terms of “bank will start an investigation, but all the information we have suggests the kids weren’t responsible.” May lead to an investigation on the stepfather, which … not the goal here, but I will not be disappointed in.
Not as good in terms of emotional fatigue after. m understands what’s going on, I think they’ve processed things mostly but still have a separation between “mom did these things to me” and “I really love my mom.” M really struggled after, wants to find any way to say that their mom wasn’t responsible for any of this but also wants to find a way to say their stepfather didn’t do anything either, because then that suggests mom still knew something. M is … not sure I’d call it disassociating with this, but clearly shutting down when we get to talking about mom and things that happened because I think that’s all they know how to do. Like it’s a trauma response, which is why we’ve pushed for them to be in therapy.
2nd set of calls probably Thursday. Mrs. H and I are going to spend a lot of the day with them, work on that and talk through other stuff as well.
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Fight the good fight!!! 
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These kids are so lucky to have you looking out for them. Fills me with Xmas spirit!
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