OBAMA CARE
Covered California is the state’s official health insurance marketplace, designed to help individuals, families, and small businesses access quality coverage at affordable rates.
Children & Newborn Coverage
Who Might Consider a Child-Only Plan
A child-only health insurance plan is ideal in several situations, such as:
• Parents without active insurance coverage who still want to ensure their newborn or child has access to healthcare.
• Situations where a newborn or child may need more or less comprehensive coverage than other family members, making a separate plan a better fit for their specific healthcare needs.
• Families with separate living or custody arrangements, where one parent provides coverage solely for the child.
• Households seeking lower overall premiums, since a child-only plan can sometimes cost less than adding a dependent to an existing adult policy.
• Guardians or grandparents caring for a newborn or minor who is not part of their tax household.
These plans provide flexible, affordable coverage options that help protect a child’s health and reduce the financial stress of medical expenses.
Coverage Options for Newborns & Children
With a child-only policy, the plan is issued in the child’s name, and all medical benefits apply directly to them. Coverage typically includes:
- Routine pediatric visits and well-child checkups
- Vaccinations and preventive care
- Emergency care and hospitalization
- Prescription medications
- Specialist visits when needed
Parents often choose this type of policy when:
- It is more expensive to add a child to an existing plan
- The child does not live with the parent who holds insurance
- The child is not part of the parent’s tax household
Child-only coverage ensures that every child can have access to essential medical care, regardless of a parent’s insurance status. These plans can be purchased through private insurers or through the California Health Benefits Insurance Center, where you can compare quotes and find affordable options that fit your family’s circumstances.
Find the Right Coverage for Your Situation
Not sure where to start? Whether you're looking for coverage for yourself, your family, or just a child, the licensed agents at California Health Benefits Insurance Center can help you understand your options and find a plan that fits your needs and budget.
From Covered California plans to private carrier options, we’ll walk you through what makes sense based on your situation — including costs, coverage levels, and eligibility.
Get free, no-obligation quotes in just minutes and move forward with confidence knowing you’ve chosen the right plan for you or your family.
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CA HEALTH EXCHANGE
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