Health Insurance Plans for Low-Income Children

Children of low-income parents may not have insurance coverage. These parents may be struggling to afford rent and food for their family without the additional cost of health insurance. However these children need good health care and regular monitoring to make sure they are growing and developing normally. There are options available to low-income children.

Medicaid

• Medicaid is an insurance program funded by the federal government. It is designed to help the people at the lowest income level. Each state sets this income level. You may need to meet an annual deductible amount before the coverage begins. To apply for this insurance you should contact your county's human services department. If you do not qualify for Medicaid you may qualify for the state sponsored Children's Health Insurance Program. When you are on Medicaid you only go to doctors who accept Medicaid, which can be difficult to find in some cities. The state may be willing to help you find transportation to your child's doctor.

Children's Health Insurance Program

• Low-income children may qualify for a state sponsored insurance plan. This plan is found under the Children's Health Insurance Program. The states run their own programs, but receive funds from the federal government. These plans vary by state, but are available to help people who would not qualify for Medicaid because they earn too much, but still cannot afford insurance. Some states may charge an annual premium and have you pay low co-payments to receive health care. The premium and co-payments may vary based on your income. You can apply for this option at the same time you apply for Medicaid in most states.

Insurance through Parents' Work

• Often health insurance through a parent's work is least expensive option for children outside of government-sponsored insurance plans. The companies may subsidize a portion of the premium for you. The plan is a good option if your child has serious health conditions and may not qualify for a low-cost independent plan. These plans usually have co-payments, co-insurance and deductibles you will need to cover.

Private Health Insurance Options

• Private health insurance may be a good option if you have just one child who is in good health. You may find information about these plans at the HealthCare website or by contacting a local independent health insurance agent.