Affordable Health Insurance for Children Only in Massachusetts
Some good news about this state includes that fact that fewer than two percent of children lack any health insurance. Sadly, that figure still represents quite a few children, and health insurance can help get kids the medical care and immunizations that they need to go to school and enjoy other activities. Guardians, parents, and custodians should learn about different ways to buy low cost child only health insurance in Massachusetts to see if they can find a plan that suits their needs.
Best Health Insurance for Children Only in Massachusetts
These are some quick facts about Massachusetts children and the health insurance marketplace:
- Percent of Massachusetts children with health coverage: 55 percent
- Massachusetts children in grandparent-led households: Over 60,000
- Percent of Massachusetts children in single-parent households: 55 percent
In this state, only a little more than half of all children can count on group health insurance from a parent’s employer. In many cases, one or both parents may need to supply health insurance for kids; however, they may belong to a network group that isn’t even in the same city that the child resides in. In that case they may need to acquire public or private health insurance for kids. This is one reason work with companies to offer affordable health insurance for children only.
This list displays the five biggest cities in Massachusetts and the population for thse cities:
- Boston, Massachusetts: 667,137 42.358
- Worcester, Massachusetts: 184,815
- Springfield, Massachusetts: 154,341
- Lowell, Massachusetts: 110,699
- Cambridge, Massachusetts: 110,402
Why Do Parents Buy Private Health Insurance Plans for Kids?
In many cases, parents or other guardians purchase child only health insurance in Massachusetts because they don’t have access to group benefits from work but still earn too much to qualify their children for a public program like the Children’s Health Insurance Program (CHIP Program) or Medicaid. Typically, families qualify for public plans like Medicaid or the Children’s Health Insurance Program because of income, the number of people in the family, and the lack of group coverage from a job.
Another thing that may encourage some families to purchase child only health insurance in Massachusetts are subsidies that allow them to afford premiums for private health insurance for kids.
These are two kinds of subsidies for Affordable Care Act health plans:
- The most common subsidy provides tax credits that help pay premiums for private health coverage
- Another kind of subsidy can also help pay for deductibles, copayments, and other out-of-pocket expenses
You can learn more about qualifying for Obamacare subsidies by speaking with an insurance agent or checking the Obamacare Marketplace website.
Families that can’t get help paying for their health insurance through Medicaid, CHIP, or Obamacare may also consider some non-Marketplace insurance companies that supply private health insurance for kids. It’s important to check the benefits for these kinds of plans against the mandated benefits that every ACA plan must provide. Even if the benefits aren’t quite as robust as ACA health insurance, these non-ACA plans might serve as a temporary solution for children who are waiting for Open Enrollment or for their policy to get activated.
If you decide to compare a private health insurance policy for kids in Massachusetts, you have plenty of choices. We work with many of the top health insurance companies that sell children’s policies in Massachusetts. Most offer quality health insurance coverage with amazing health benefits for children.
Why Buy Child Only Health Insurance in Massachusetts?
In any case, if you care for a child who lacks health insurance or adequate coverage, you should explore a variety of options. An insurance agent or company representative can tell you more about Obamacare and other private plans. You can learn more about public and private health plans for children online or from an insurance agent.
In order to go to a public school or enjoy many activities, kids may need routine check-ups, proof of insurance and of vaccinations. In addition, children’s policies usually don’t cost much when compared to premiums for some adults, and they can help make sure that kids can get the medical attention that they require. Almost everybody can find some kind of health plan for their Massachusetts children.
If you have other questions or would like to know when the enrollment period is for health insurance plans, give us a call. Otherwise feel free to compare health insurance quotes near you using our quote box at the top of the page.
For more information visit healthcare.gov.