The Importance of a HIPAA Authorization for Young Adults (college bound!) and Single Individuals
As summer winds down, thousands of young adults pack their bags for college, excited for new independence. Yet turning 18 doesn’t just mean dorm life and textbooks—it also means a legal shift in how healthcare decisions are managed. At 18, parents lose automatic access to their child’s medical information under federal privacy law. Without a HIPAA Authorization in place, even parents who pay tuition and health insurance may be excluded from critical updates in a medical emergency.
Why This Matters
Imagine a student hospitalized after an accident or a single professional suddenly incapacitated. Without a HIPAA authorization, loved ones cannot obtain basic updates, provide vital medical history, or advocate effectively. In crisis situations, silence from hospital staff can add fear and confusion to an already stressful moment.
The Protection It Provides
A HIPAA authorization empowers trusted individuals—whether parents, a spouse, or a close friend—to access medical information when it matters most. Importantly, this doesn’t diminish independence. It simply ensures that if you can’t speak for yourself, someone you trust can step in to help coordinate care and make sure your best interests are protected.
Part of a Bigger Picture
For college students and single adults alike, HIPAA authorization is just one piece of the foundational planning puzzle. Other essential documents include:
- Health Care Power of Attorney/Proxy – allows someone to make medical decisions on your behalf if you are unable.
- Durable Financial Power of Attorney – enables someone to handle finances or sign documents during incapacity.
- FERPA Release (for college students) – grants parents access to academic records if needed.
- Simple Will & Beneficiary Review – ensures assets, even modest ones like bank accounts, are directed appropriately.
Together, these documents form a safety net that supports independence while protecting against the unexpected.
Taking Action Now
The best time to put these in place is before a crisis arises—often at the milestone of turning 18. A financial planner or estate planning attorney can help prepare these quickly and effectively. Doing so provides peace of mind: families know they won’t be left in the dark, and young adults know their wishes will be respected.
Conclusion
Independence is an exciting part of adulthood, but it should come with preparation. A HIPAA authorization—and its companion documents—ensures that in moments of uncertainty, your family or trusted advocate can step in with clarity and support. A small step today creates immeasurable peace of mind tomorrow.
Emerald Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.
