I have news. When your medical costs, individual or family, exceeds the premiums paid, everyone in the group or with that insurer pays.<quoted text>
When the policy covers more "children", the premiums will obviously be higher for everybody in the group.
The"kids" are not paying a damn thing, nor are their parents paying more than other parents who don't have slacker children.
Your slacker children are not my problem.
PS: Why the cutoff at age 26 if there is no cost? Why not 65?
You claimed other people were paying the premiums of the kids staying on their parent's policy until 26.
The parents pay those premiums with perhaps those grown adults chipping in.