Part of President Obama’s Patient Protection and Affordable Care Act (Obamacare) requires that health insurance companies must give a policy to children. However, the insurance companies found a loophole that allows them to deny child-only applications. Currently, no major insurance company in Arizona is offering a child-only policy.
Here are a few possible ways to get coverage for your child:
– Add a parent to the application
If an adult applies for a policy with a child (and the adult gets approved), then the insurance company must approve the child as well, regardless of any pre-existing conditions the child has. If you want to view rates that include a parent, please fill out our online quote request form.
– Purchase a short-term policy
There are a couple high quality short-term plans that will still accept a child alone. I recommend one from Assurant Health. You can keep it for up to 6 months. Your coverage can start as soon as tomorrow. Deductibles range from $1000-$5000, with a maximum out of pocket cost of $2,000 after the deductible. The rates are inexpensive, however no pre-existing conditions are covered.
Click here to download the Assurant Health brochure:
Click here to view rates and/or apply online:
- PCIP (Pre-Existing Condition Insurance Plan)
If a child has been without coverage for at least 6 months, he/she can qualify for a government plan called PCIP. There are 3 plan options, ranging in monthly cost from $104 to $141 per child. More info is available here:
- Group coverage
If you have the option to join a group plan through an employer, that plan will be required to accept children (although it might be expensive).
If you have any questions, please don’t hesitate to call us at 1-800-600-9663.