When Keeping A Secret Trumps The Need For Care

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Lam's situation isn't unique. Millions of young adults have been able to stay on their family insurance plans since that provision of the Affordable Care Act took effect in 2010. But studies show that young people often hesitate to get certain types of medical care, such as mental and behavioral health care, birth control and sexual health screenings, because they don't want their parents to find out through insurance statements.

Now several states are testing ways to solve the problem, but none has a foolproof solution.

"The issue of maintaining confidentiality while a dependent is one that has existed for a long time," says Abigail English, president of the Center for Adolescent Health and the Law, a nonprofit advocacy group. "It's just receiving more attention now, because of the ACA and the increase in the number of dependents."