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Child Only Health Insurance Plans

Making sure that your child is getting the health care that he or she needs is probably one of your main priorities as a parent. However, you might have trouble doing it in the traditional way. Sure, a lot of people have insurance through their employers and put their kids on their plans. However, this does not work for everyone. In fact, there are many reasons why a lot of parents end up looking for child only health insurance for their kids alone rather than a family policy. If you think that this is something that could benefit you and that could help you ensure that your child is covered, you should know that you have options. In fact, our website is a trusted resource that you can use when shopping for a plan for your child. Whether you've got a baby at home or a child who is getting ready to go off to college, there is a child only health insurance plan out there that is right for your child.

History of Child Only Health Insurance

In the past, parents were able to purchase child health insurance on their own without any problems. It was generally quite affordable, and it was very easy to find. There were a ton of different private insurance companies out there that offered it. Nowadays, things have changed a lot. As you might already know, Obamacare has caused a lot of things to change. Of course, some of these changes have proven to be beneficial for parents and their children. However, there has been one negative consequence that is causing a lot of parents problems: the fact that it's now a lot harder to find child insurance when they need it. In fact, since Obamacare has been in action and various health care reform steps have been taken, more and more parents are finding themselves looking for child only health insurance for their kids. A lot of people aren't able to provide health insurance for their kids or health insurance for babies through their jobs or other similar means anymore, so they're on the prowl for child only health insurance. The more that parents find themselves in situations in which they need to purchase health insurance so that their kids or their babies can have health insurance, the harder it often is for them to find it. Fortunately, all is not lost, and we can help you find child only health insurance for your son or daughter, even in the midst of all of the changes that have occurred due to Obamacare. Then, you'll be able to take advantage of some of the benefits that have occurred in regards to health insurance for kids and health insurance for babies because of Obamacare, such as:
  • Now, because of Obamacare, parents do not have to worry about being able to afford preventive care for their children if they have health insurance for their kids or health insurance for babies. This means that among other things, kids can get shots, vaccines, and immunizations that they need. Health insurance for newborn babies is covering more than it did before, so parents can feel confident in knowing that their newborns are getting the wellness care that they need due to their health insurance for newborn babies.
  • Many people think of adults when they think about pre-existing conditions, but pre-existing conditions can be a problem for insured individuals of all ages, including those who are seeking health insurance for kids and health insurance for babies. Because of Obamacare, pre-existing conditions are no longer an issue.
If you want your child to be able to enjoy these benefits and more, and if you want to ensure that coverage is not an issue when your child needs things like autism care, allergy testing, accident coverage and more, looking for health insurance for kids and health insurance for babies is important. Luckily, even though it might be harder to find child only health insurance than it used to be, it is possible. Here on our website, we can help you find affordable health insurance for children only.

Why Do Parents Search for Child Only Health Insurance?

There are some people who do not really understand the need for shopping for affordable health insurance for children only. It might seem as if it makes a lot more sense for you to purchase a family policy so that you can ensure that all of the children and adults in the household are covered. Even though this is the best choice for some families, this is not always the case. Believe it or not, there are actually a ton of reasons why parents find themselves looking for child only health insurance. If you're searching the World Wide Web in search of affordable health insurance for children only, you should know that you are far from the only parent in this position. This is just a short list of some of the many reasons why adults find themselves looking for health insurance:
  • If your kids have been covered by Medicaid or another similar program, you might have relied on this program to cover allergy testing, autism care, accident coverage, shots, vaccines, immunizations and more. Now, if your income has changed -- even by just a little bit -- you might find that your child is no longer covered. This could leave you looking for child or baby only medical insurance through a private health insurance company.
  • If you have recently lost your job, you might have lost your family coverage. Right now, if you're jobless and in a pinch, you might not be able to afford coverage for the entire family. In this situation, it often makes sense to look for child or baby only medical insurance through a private health insurance company so that you can at least make sure that your children are covered.
  • If you have recently changed jobs but are not able to sign up for health insurance yet, you may want a child or baby only medical insurance policy through a private health insurance company. Then, your child will be covered until he or she can be added to your employer-sponsored policy.
  • If you are going through a divorce but if things have not been finalized yet, you might still be trying to figure out how your child will be covered. In the meantime, a short-term child or baby only medical insurance policy through a private health insurance company can be a good solution to make sure your child is not without coverage.
  • When attending family court, you might have been ordered by a judge to purchase a child or baby only policy as a part of your order of child support.
  • If you are only temporarily in charge of the custody of a child, such as if you are a foster parent or if you are a family member who is temporarily taking care of a family member's child, you might seek out a child only health insurance plan.
  • You may have found that paying for good insurance for your entire family is not very affordable. If this is the case, you may choose to go without coverage yourself, or you might choose to purchase a cheaper, less-inclusive policy for yourself and your spouse. However, you might not want to risk your child not having ample coverage. Because of this, you might choose to look into health insurance so that you can then purchase a separate, cheaper policy for yourself.
  • You might search for child only health insurance if you live in a different state from your child and do not want him or her to be subjected to the same network restrictions.
  • Your child might have special health-related needs and might need more than just preventive care that covers vaccines, immunizations, and shots. Buying child only health insurance can allow you to choose a plan that will work well for your child and his or her specific needs without having to change the plan for the entire family.
  • Your child's school might require your child to be covered by a certain type of health insurance. In this situation, child only health insurance can help you ensure your child has the coverage that he or she needs.

Where and How Can You Find Child Only Health Insurance?

There are a few different companies on the market that offer plans to parents in various states across the United States. Of course, as with most types of insurance, your options will depend on where you live and a few other factors. Conducting a search to look for plans from the top companies can help you see what is out there. Then, you can sign up for a plan that you know will be a good fit for your child and that has a monthly premium that you can afford. It makes finding health care for your child a whole lot easier than it might have been in the past.

The Best Companies to Compare Quotes from When Searching for Insurance

If you are searching for the best health insurance for kids in Missouri, health insurance for kids in Florida or health insurance for children in any other state, these are some of the top companies that you are going to want to look at:
  • Aetna
  • Cigna
  • United Healthcare
  • Anthem
  • Blue Cross Blue Shield
  • Humana
  • Kaiser
Of course, at the time that you attempt to compare rates and quotes, your options might or might not include these companies. For one thing, those who are shopping for health insurance for kids in Missouri might be shown completely different options from those who are shopping for health insurance for kids in Florida. Plus, the world of health care is constantly changing, which can affect your options. There are also other companies out there that offer health insurance for kids in Missouri, health insurance for kids in Florida and health insurance for children who are located all over the country. The best way that you are really going to be able to do a good comparison of your options is by using our online tool to look at rates and quotes from different providers. Then, you can see what is available for children who live in your state, and you can compare premiums so that you can find one that is a good fit for your family.

California

California child only health insurance is not as hard to find as you might think. There are a lot of top providers that offer California health insurance. We help Californians do a comparison of their options for California child only plans right here on our website, so you can do it all online. The top five largest cities in California:
  • 1. Los Angeles, CA
  • 2. San Diego, CA
  • 3. San Jose, CA
  • 4. San Francisco, CA
  • 5. Fresno, CA
  • 4 percent of children in California are uninsured.
  • 42 percent of children in California are covered by Medicaid.

Missouri

If you're searching for Missouri child only health insurance, we can help. You can even look for rates and quotes for Missouri child only plans here on our site. In no time, you can find the right Missouri health insurance policy to cover your son or daughter. The top five largest cities in Missouri:
  • 1. Kansas City, MO
  • 2. St. Louis, MO
  • 3. Springfield, MO
  • 4. Columbia, MO
  • 5. Independence, MO
  • 5 percent of children in Missouri are uninsured and could benefit from health insurance plans for kids in Missouri.
  • 30 percent of kids who have health insurance in Missouri have this coverage through Medicaid.

New York

People from all over New York come to our site to look for New York child only health insurance. With NY child health insurance, you can ensure that your child is covered. We'll even help you find the best rates for your child. The top five largest cities in New York:
  • 1. New York City, NY
  • 2. Buffalo, NY
  • 3. Rochester, NY
  • 4. Yonkers, NY
  • 5. Syracuse, NY
  • 4 percent of children in New York are uninsured.
  • 40 percent of children living in New York are covered by Medicaid.

Pennsylvania

Shopping online is a good way to find Pennsylvania child only health insurance. With our website, you can do all of the work in finding Pennsylvania health insurance online, from the comfort of your home. For a busy parent, this can be the easiest way to look for Pennsylvania child only plans to ensure that your child is covered. The top five largest cities in Pennsylvania:
  • 1. Philadelphia, PA
  • 2. Pittsburgh, PA
  • 3. Allentown, PA
  • 4. Erie, PA
  • 5. Reading, PA
  • 4 percent of children in Pennsylvania are uninsured.
  • 37 percent of children in Pennsylvania are covered by Medicaid.

Texas

Everything might be bigger in Texas, but your Texas child only health insurance premiums don't have to be. We strive to help parents who are looking for Texas child only health insurance. You can even find Texas child only rates by entering the answers to a few basic questions right here on our website. The top five largest cities in Texas:
  • 1. Houston, TX
  • 2. San Antonio, TX
  • 3. Dallas, TX
  • 4. Austin, TX
  • 5. Ft. Worth, TX
  • 9 percent of children in Texas are uninsured.
  • 40 percent of children living in Texas are covered by Medicaid.

Florida

A lot of parents struggle to find Florida child only health insurance. Without health insurance for kids in Florida, however, your kids might not receive the care that they need. You might also find that not having health insurance actually puts a huge financial burden on your family. Fortunately, we can help you find health insurance for kids in Florida. In fact, we can even help you find the lowest rates out there when shopping for Florida child only plans. Florida Blue is probably going to be the best company to locate a plan with. The top five largest cities in Florida:
  • 1. Jacksonville, FL
  • 2. Miami, FL
  • 3. Tampa, FL
  • 4. Orlando, FL
  • 5. St. Petersburg, FL
  • 7 percent of children in Florida are uninsured and could potentially benefit from Florida child only health insurance.
  • 45 percent of Floridian children have Medicaid as their form of health insurance.

Should I Consider Medicaid Through My State for Child Only Health Insurance?

39 percent of children in the United States are covered by Medicaid, and this program is considered to be a wonderful thing for many families. If you are wondering if it's ever a good idea to rely on Medicaid and other similar government programs for your child's health insurance for kids, you should know that there are some advantages of choosing Medicaid rather than a high deductible or low deductible HMO or PPO through a private provider.

The pros of choosing Medicaid for your child's health insurance plan:

  • If you are unemployed or otherwise really cannot afford health insurance for your kids but want to make sure that your child is covered, Medicaid can help. This is an option that is available for families that truly cannot afford child only health insurance and whose kids may have to go without health insurance otherwise.
  • Depending on your state, the office visit copays are often very cheap. The office visit copays, when your child visits the doctor, may even be free.
  • You can save a lot of money during times when money might be tight, allowing you to focus on the other things that your children need.
Of course, even though Medicaid can be a good thing in many ways, it does have its disadvantages as well. When you look at these cons that might go along with choosing Medicaid as health insurance for newborn babies or health insurance for kids, you might decide that you are better off searching for a high deductible or low deductible HMO or PPO plan.

The cons of choosing Medicaid for your child's child only health insurance plan:

  • Your family might not qualify due to your household income.
  • Even if your family qualifies now, you might not be able to use it as a source of affordable health insurance for children or cheap health insurance for newborn babies for very long. This is because your income level could go up or changes could be made to the program, and your child might suddenly be left without affordable health insurance for children or cheap health insurance for newborn babies.
  • You might find that the network that is available for children who use Medicaid as health insurance for newborn babies or affordable health insurance for children is very restrictive. You might not be able to take your child to the same doctors that he or she has been visiting, for example.
If you are thinking about allowing your child to stay uninsured, it is definitely a good option to at least look into Medicaid. If your family does not have the means to pay for health insurance for newborn babies and children, Medicaid can be helpful in ensuring that your child gets preventive care and has coverage in case something happens. However, if your family is able to pay for health insurance for newborn babies and children, you may want to look into your private options. Then, you do not have to worry about your child being dropped from his or her health insurance plan. Additionally, you can choose a plan that works well for your child and his or her needs. Plus, if you look at rates and quotes online for different providers, you might find that affordable health insurance for children is easier to find than you thought.

Can I Qualify for a Subsidy for Child Only Health Insurance?

You might have heard that there are subsidies out there that are designed to help make health insurance more affordable for individuals and families. If you are shopping for affordable health insurance for children or health insurance for newborn babies, you could be wondering if you can secure a subsidy to help pay for your child's Blue Cross Blue Shield child only health insurance or health insurance from another private company. These are a few situations in which you might qualify for a subsidy:
  • You do not have access to an employer-sponsored health care plan.
  • Your employer plan does not provide a certain minimum value.
  • Your employer plan does not meet affordability requirements.
  • Your family does not have the financial means of paying for health insurance, based off of how close your household's total income falls to the poverty line.
If you are wondering if you qualify for a subsidy to help you pay for your child's Blue Cross Blue Shield plan, you can find out on the Healthcare.gov website. If you qualify for a subsidy, the amount that you have to pay for Blue Cross Blue Shield insurance or insurance from another company will be subsidized so that you do not have to pay the full amount. In this situation, however, your child will be fully covered, just as if you were paying the full amount of the Blue Cross Blue Shield child only health insurance plan or another plan for children and infants yourself.

What is a Special Election Period, and Can I Buy Coverage Outside of Open Enrollment?

One thing that many people realize is that you cannot just purchase Blue Cross Blue Shield child only health insurance plans or other types of insurance for children or infants at any time that you want to. In general, you have to wait until the Open Enrollment period before you can do so. The open enrollment period runs from November 1 to December 15 (subject to change each year). There are a few situations in which you can buy coverage for yourself or for children or infants outside of the Open Enrollment period, however. This is called a Special Election Period (SEP). For example, you might qualify for the Special Election Period (SEP) if you have recently gone through a major life event, such as if you have had a baby. This is designed so that parents do not have to wait to purchase insurance for their infants. You might also qualify for the Special Election Period (SEP) if your child is losing coverage due to a job loss or other similar reason. You can check the Healthcare.gov site to find out if you qualify. Additionally, you should know that you do not have to be in an SEP to apply for Medicaid for your child.

What Happens if I Go Without Health Insurance for My Child?

It can be tempting to choose to just pay the tax penalty for your child not having coverage and to handle his or her health care needs as you go along. Even though there are plenty of people who do it, there are a few reasons why it's really not a good idea and why you might want to look for child only health insurance instead, including:
  • Your child might miss some of the preventive care that he or she needs. Without preventive care, there could be an increased chance that your child will have health issues later on.
  • Your child will not have accident coverage in case a sudden accident happens.
  • The costs can add up more than you think. There is a good chance that you will spend less on child only health insurance than you would spend to pay for health care out-of-pocket.
  • You could be assessed a financial penalty at tax time, although there are certain exceptions that might allow you to not have to pay this penalty at the end of the year.

What is Short Term Health Insurance?

In some cases, you might find yourself looking for short term health insurance. For example, if your child is going to be going off to college -- or if you are a student yourself -- you may want to look for a short-term policy that will provide coverage for a short period of time. Also, if you are a parent who wants to ensure that your child has child only health insurance until your insurance benefits kick in at your job, short term health insurance can be a good option as well. We can help you find this type of medical insurance through a private health insurance company. We can help you get your child insured. If you're looking for a plan so that you can get your child covered, you can use our website to look at your options. This can help you ensure that you find premiums that you can afford, and it can help you ensure that your child is covered on a plan from a reputable provider that offers the coverage that your child needs for the highest-rated possible care.