Child Only Health Insurance
If you have been trying to obtain a health insurance plan for your child, you have probably realized that nobody will write it anymore. All of the major carriers like Aetna, CIGNA, Humana, etc, will no longer accept an application for a child unless a parent or a guardian is also on the form with them.
Fortunately, we have found a way to write child-only health insurance plans. But, let me give you a little background first.
While the new health care legislation implements a number of important changes, some of them have unintended consequences. This is what happens when you pass a 2,700 page bill without reading it.The new bill requires that health insurance carriers accept children under the age of 19 regardless of their pre-existing conditions.In response to this rule, the health insurance carriers decided that they want a parent on the plan with the child to try and mitigate some of the expense of covering these conditions. That is why you are running around like a chicken with its head cut off, trying to find health insurance for your child.