Need Health Insurance for Your Child — But Not Yourself?
If you need health coverage for your son or daughter, you may have a private child-only health insurance option available in Texas.
You don’t necessarily have to purchase coverage for yourself just to get coverage for your child.
Insurance4Dallas offers a private health insurance option for children that is available year-round, subject to eligibility.
Coverage is designed to help with everyday medical expenses while also providing additional financial protection for covered accidents, specified diseases and hospital stays.
See available options and determine whether your child qualifies.
Can I Buy Health Insurance Just for My Child in Texas?
Yes — You May Not Need to Buy Coverage for Yourself.
Parents sometimes assume their children must be enrolled on the same health insurance plan they have.
That’s not always the case.
You may be looking for separate coverage because:
- You already have insurance through work.
- Adding your child to your employer plan is expensive.
- Your child doesn’t currently have health insurance.
- You missed Open Enrollment.
- Your child recently lost coverage.
- You want a private health insurance option.
- You need coverage for your child without changing your own insurance.
If that sounds familiar, child-only private health insurance may be worth exploring.
Private Child-Only Health Insurance Available Year-Round
You Don’t Have to Wait for Open Enrollment.
One of the biggest advantages of this option is that you can apply year-round, subject to eligibility.
- January.
- April.
- July.
- September.
- December.
Or any other month of the year.
If your child needs coverage now, you don’t necessarily have to wait until the next annual ACA Open Enrollment period to explore this private option.
How Does the Coverage Work?
This coverage is designed to provide benefits for a range of covered medical expenses while providing additional financial protection for more significant covered medical events.
Medical Benefits
Scheduled indemnity benefits can help with covered medical services.
Depending upon the covered service, benefits can range from:
$0 – $20,000
The amount payable depends upon the specific covered medical service and applicable policy benefits.
Hospital Protection
If your child has a covered hospital confinement, benefits can provide:
UP TO $3,000 PER DAY
For a covered hospital stay, subject to applicable policy provisions and limits.
Accident & Specified Disease Protection
For applicable covered expenses:
$5,000 DEDUCTIBLE
Then:
100% OF COVERED EXPENSES
after the applicable deductible has been satisfied, subject to policy terms, limitations and maximum benefits.
What Could This Coverage Help With?
Children don’t only need healthcare when they’re seriously ill.
Depending upon the covered service and policy provisions, benefits may be available for:
- Doctor Visits
- Diagnostic Testing
- Outpatient Care
- Emergency Care
- Accidents
- Hospitalization
- Surgery
- Specified Diseases
and other covered medical services.
The important question isn’t simply:
“How much is the monthly premium?”
It’s also:
“What happens financially when my child actually needs medical care?”
What If My Child Has to Go to the Hospital?
A serious illness, accident or surgery can quickly create substantial medical expenses.
For a covered hospital confinement, the coverage can provide:
UP TO $3,000 PER DAY
Imagine your child unexpectedly requires a hospital stay.
The last thing you want to be thinking about is:
“How are we going to pay for this?”
The hospital benefit is designed to provide additional financial protection during covered hospital confinements.
Actual benefits depend upon the covered services, type and length of confinement and applicable policy provisions.
What If My Child Has a Major Accident or Specified Disease?
This coverage provides another layer of protection when something more serious happens.
For applicable covered expenses:
$5,000 Deductible
After the applicable deductible is satisfied:
100% of Covered Expenses
subject to the applicable policy’s terms, limitations and maximum benefits.
Missed Open Enrollment?
Your Child May Still Have an Option.
If you missed ACA Open Enrollment, don’t automatically assume your child must remain uninsured until the next enrollment period.
This private child-only option is available for application throughout the year, subject to eligibility.
DON’T WAIT UNTIL NOVEMBER TO LOOK.
Find out whether your child has an option now.
Don’t Choose Your Child’s Coverage Based on Price Alone
Price matters.
But it’s only one part of the decision.
Before choosing coverage for your child, consider:
- What does the coverage actually pay?
- What happens if my child is hospitalized?
- What happens after a serious accident or specified disease?
- Can I afford to keep the coverage?
The goal isn’t simply finding the lowest premium.
It’s finding the right balance between:
PREMIUM + BENEFITS + FINANCIAL PROTECTION
Who Should Consider Child-Only Private Health Insurance?
- This option may be worth exploring if:
- You need health insurance for your child but not yourself.
- Your employer coverage is expensive when adding your child.
- Your child is currently uninsured.
- You missed Open Enrollment.
- Your child recently lost other coverage.
- You’re looking for a private alternative.
- You need something you can apply for during the year.
- Eligibility requirements apply.
Frequently Asked Questions
Private child-only coverage may be available for eligible children in Texas. A parent does not necessarily have to purchase coverage for themselves.
Yes. This private option is available for application year-round, subject to eligibility.
No. This is private insurance coverage and is not a Health Insurance Marketplace plan.
For covered hospital confinements, benefits can provide up to $3,000 per day, subject to applicable policy provisions and limits.
For applicable covered accident and specified disease expenses, there is a $5,000 deductible. After satisfying the applicable deductible, the coverage pays 100% of covered expenses, subject to policy terms, limitations and maximum benefits.
Yes. Eligibility requirements apply.
Not necessarily. If you only need coverage for your child, you can explore the child-only option.
Looking for Health Insurance Just for Your Child?
See What’s Available in Texas.
You don’t necessarily need another family health plan.
You may simply need coverage for your child.
- Apply Year-Round
- Benefits for Covered Medical Services
- Up to $3,000 Per Day for Covered Hospital Confinement
- Additional Accident & Specified Disease Protection
- $5,000 Deductible on Applicable Protection
- 100% of Covered Expenses After the Applicable Deductible*
See whether your child qualifies.
No obligation. | Insurance4Dallas
Helping Texas families understand their private health insurance options.
IMPORTANT COVERAGE INFORMATION
This is private insurance coverage and is not an ACA Marketplace plan. Benefits are subject to eligibility requirements and applicable policy terms, conditions, exclusions, limitations and maximum benefits. Scheduled indemnity benefits pay fixed or specified amounts for covered services and may not equal actual charges incurred. Review the applicable policy documents and benefit schedules before enrolling.
Insurance4Dallas (I4D) helps Texas families explore private health insurance options for children throughout the state. We serve families in Dallas, Fort Worth, Arlington, Irving, Austin, Houston, El Paso, San Antonio, Lewisville, Corpus Christi, Plano, Frisco, McKinney, and communities across Texas.