Many parents don’t realize that in California it is possible to put children on their own California health insurance. There are many reasons why it would make sense to provide the child’s coverage on their own policy.

As the economy changes some employers who provided family care have eliminated paying for anyone except the employee and in many cases leaving for single parents to search for affordable health insurance for their children.

Divorce is another situation where we may accidentally leave Children “out” of health insurance coverage. After one divorce a Husband was to carry the child/ children on his group insurance policy and all seems ok until the Husband is laid off. The options are for the ex employee to take advantage of COBRA which is up to 102% of the cost of the insurance coverage. Unfortunately this may not be the best insurance solution.

Purchasing insurance separately may also be advantageous for parents who are independent contractors and do not work for large companies who provide health benefits. Even if a parent works for a companies it still may be a good idea to provide a separate coverage if the stability of the job is questionable. If these is a loss of job, the health coverage is not affected.

These plans can be customized for every child’s and family’s situation. In addition there are several benefits that can be added to these “Stand alone’ plans to enhance them.

Matt is seriously concerned “Many large health insurers have set up programs to cover “child only” plans at very reasonable cost. And we hope all take advantage of our website which will provide for quotes for children to age 18.