There are several limitations to this analysis. First, we included only young adults in single-person households in this analysis. Second, we are not able to link a young adult living apart from their parent’s household to their parent’s health insurance unit. Third, we consider only the 34 states for which complete premium data by rating region is currently readily available in the U.S. Department of Health and Human Services systems.
Lastly, we omit the eligible uninsured living in non-Medicaid expansion states with incomes below 100 percent of the FPL from our analysis of those potentially eligible for Marketplace coverage for $100 or less per person. These low-income individuals are exempt from the individual mandate on the basis of hardship. While technically eligible to purchase coverage on the Marketplace, they would not qualify for tax credits to subsidize their Marketplace coverage and would probably not be able to afford full-price premiums.