When Employees Ask "What Plan Should I Choose?"

Will I Get Punished for Not Having Insurance?

This video explains the possibility and methods of securing health insurance exclusively for children, without including an adult or parent in the coverage:

  • You cannot obtain health insurance solely for your children through your employer's health insurance plan.

  • CHIP and Medicaid: Offer low-cost insurance options for children from low-income families, with eligibility based on household income.

  • ACA Marketplace Plans: Available to most children during open enrollment periods, with income-based rates and potential discounts.

  • Private Insurance Plans: Can be purchased directly for more flexibility outside of open enrollment periods or specific eligibility criteria.

  • Short-Term Plans: Suitable for temporary coverage needs, providing an option for covering children for a limited time without annual commitment.

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Family Insurance Questions

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