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For Individuals

We offer many individual health plans options to select from. We offer plans that are customized to suit your budget and needs. You can choose from a pool of affordable insurance options from top carriers in the country. With individual insurance, you can access preventative health care and save money on prescriptions and doctor’s visits. Get a customized individual health insurance plan in just a few clicks!

For Families

Finding the right insurance for your family is one of the most important decisions you can make. We offer a wide range of affordable insurance plans from leading insurance firms from which you can choose. Finding the ideal family insurance plan for your loved ones does not have to be complicated. We offer customized quotes that suit your family needs and budget. Fill in the form to get your customized quote!

For Groups

Health Insurance Plans offers a wide array of group health insurance options for both small and large companies. We customize our products to meet the needs of your business and help you find an insurance plan that is both cost effective and prioritizes the wellbeing of your employees. Make the most of the numerous, affordable and top group health insurance plans. Get your quote from Health Insurance today!

Finding cheap health insurance for children can be a challenge. You have to balance your financial needs with your family’s requirements for healthcare. Health Insurance Plans can take the guesswork out of the exploration and help you find an affordable healthcare plan. Let’s look at the Health Insurance Plans’ approach.

Can I Buy Health Insurance for My Child Only?

Health insurance plans covering kids only, with no adults included in the policy, can be found on private and public health insurance exchanges.

Child Health Insurance Plans

You can get health insurance for your child at a health insurance marketplace.

The Affordable Care Act (ACA) mandates that any qualified health insurance plan sold on the public marketplace must have an equivalent plan for kids who have not turned 21 before that plan’s year coverage starts.

Since the plan must be equivalent, child-only plans are also qualified health insurance plans and must comprise:

  • Guaranteed issue during open enrollment periods: During the annual Open Enrollment Period, insurance carriers must provide coverage to anyone who applies.
  • Continuous coverage regardless of pre-existing conditions: This means that if your kid has or develops an illness or disease, health insurance carriers cannot deny, discontinue, or charge more for their coverage.
  • Free preventive care: In health insurance plans for children, free preventive services consist of:
    • Alcohol and drug use, behavioral, as well as oral health risk assessment
    • Certain medications (fluoride chemoprevention supplements, gonorrhea preventive medication for newborns, and iron supplements)
    • Immunizations
    • Tuberculin and STI testing
    • Screenings
    • Immunizations
  • Child Health Insurance Only

    Health insurance for kids must cover 10 essential benefits.

    Coverage for ten essential benefits

    • Pediatric services (as well as dental and vision care up to age 18)
    • Preventive and wellness services and chronic illness management
    • Rehabilitative, habilitative services, and devices
    • Prescription medications
    • Pregnancy, maternity, and newborn care
    • Mental health and addiction services
    • Laboratory services
    • Hospitalization
    • Emergency services
    • Ambulatory patient services

The ACA also mandates that all individual and group health insurance plans must provide dependent coverage until children turn 26. This coverage does not comprise Medicare, but it does include health insurance plans sold on and off the marketplace. If you are interested in health insurance plans that can affordably cover your whole family.

Employer Health Insurance for Kids

Only 49% of United States households use employer plans to insure their kids. Why? Maybe because some employer plans provide dependent coverage that seems unaffordable. Or perhaps because some guardians are enrolled in Medicare, which does not offer any dependent coverage. If you are trying to find out if you can get a low-cost insurance policy just for your children, you are not alone. Health Insurance Plans can help you find affordable health insurance for children.

Subsidies and Child-Only Health Insurance Plans

Guardians who do not have employer-sponsored health insurance plans, or whose plans don’t meet value and affordability standards, can apply for subsidies. Even if only one kid is on a health insurance plan, a guardian can apply for subsidies as long as:

  1. He or she attains financial eligibility standards and
  2. The coverage is for a legal dependent.

A licensed health insurance agent can help you determine if you qualify for a subsidy and apply it.

If you are on an employer-sponsored plan, you most likely can’t apply for subsidies to help cover the premiums and out-of-pocket costs of health insurance for children.

To learn more about cheap health insurance for children only and find out if you are qualified for any subsidies, contact us today to talk to a licensed insurance agent.

Resources and References:

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What our
Client Think About Us!

The process was easy and seamless. My contact person was very supportive and patient with me. He took time to respond to all my queries, and explained the options at my disposal. I got all the information I needed to choose and sign up for my current insurance plan. I would definitely recommend National Health Connect!
Linet W.