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Health Insurance For Children Question & Answers

2014 January 7
by Sarah Fields

Mark asks…

Cost of health insurance for children in houston?

Hi, can anyone advise what is the average cost of health insurance to buy for children, and what factors might affect the cost. Thanks.

Sarah Fields answers:

Thanks to “0bamacare” you cannot buy health insurance for children in TX unless you also buy for someone over 18.

If the child is age 2 or under expect to pay $200 to $400 per month plus the cost of the adult plan. If the child is age 3 to age 18 expect to pay $25 to $300 per month plus the cost of the adult plan.

If you just need a plan to satisfy a requirement for school, such as for sports or other activities you can get a short term medical plan for the child only. These are not available for kids 2 or under but for those over 2 will cost $20 to $75 per month.

Mandy asks…

What are some problems with mandatory health insurance?

In California, you are required by law to insure your car…so what would be some problems with similarly requiring that parents provide health insurance for their children?

This pertains to minors only…what if parents were required to insure their minors?
And please, let’s keep in mind that there’s no such thing as “free” health insurance

I agree with the second response that health insurance can be difficult to enforce.
A couple of more things…This question is not my suggestion. It is just my attempt at understanding insurance. So please, no more BS like “I’d move!” or “how ridiculous!” Instead try, “That would be too expensive, because…” And then you’d actually teach someone something instead of belittling them for asking a question…

Second…I didn’t say parents would PAY the whole insurance, I just meant that they should make sure it exists and make sure their children are insured.

I know there are flaws in this idea. That’s why I worded the question the way I did.

Sarah Fields answers:

With regards to minors – EVERY STATE has a Children’s Health Insurance Program (CHIP) which offers free or substantially reduced cost insurance FOR CHILDREN. It is much more lenient than medicaid. Most states offer this coverage FOR FREE to ‘special needs’ children REGARDLESS of the income of the parents – although the income of the CHILD still counts.

Most CHIP programs have no deductibles or copays. They will pick up deds or copays on a secondary basis if you have primary coverage, and a special needs child.

The BIGGEST problem with mandatory health insurance in states like CA and TX, is you have a fairly large population of US citizen kids, born to illegal parents. And THOSE parents are going to try to ‘stay under the radar’ by not participating.

Betty asks…

is it possible to have health insurance for my child?

Is it possible for me to get health insurance policy for my child without me on it? Most companies I have tried won’t allow it. Any suggestions?

Sarah Fields answers:

As a direct result of “0bamacare” child only policies are no longer available in most states. Your only options are a short term medical or a defined benefit plan if available in your state. Contact a local agent for assistance in your state.

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