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What do I do about a ‘child only’ health insurance policy in California?

01-24-2011 by Colleen King


When health care reform was voted in last year, one of the first items that when into effect September 23, 2010 was the guarantee issue of plans to kids under age 19 without regard to pre-existing conditions. Problem with that was that insurance carriers had no idea what the liability was going to be so instead of risking a big financial hit, several opted not to write ‘child only’ policies since obviously, the most likely people to try to get coverage were those who had medical needs.

Well, the California Legislature passed a bill requiring carriers who wanted to sell in the Individual plan market in California has to participate in an ‘open enrollment’ period for kids under age 19. This all came about fairly late, there are things still to be determined but in a nutshell, here are the basics:

Open enrollment is January 1 to March 1. If you miss this time period, there is also the month of the child’s birthday.

These parameters may change in the future. These time frames do not apply to having kids on your family’s insurance plan. There are a few other circumstances so call me if you have questions.

So if you need coverage for your kids, or if you have friends with kids, please share this information with them. Call me, call your agent if you have one other than me, just get the ball rolling because time is limited!



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