Full price ACA is a hell of a lot more than subsidized ACA. Most of these 18-26 year old kids riding on their parent's ACA policies would be far better off with their own, as long as their income is low enough. Brianne could have got the same policy for nothing, if you had just done some research.

Of course, it's pretty damned complicated to figure out what your yearly income will be and the consequences for guessing wrong can be devastating. All screwed up indeed!