Question: Should i put my baby on my work insurance or a private plan?

Answer: If your employer pays a substantial portion of the cost for your baby’s coverage and the portion that you have to pay is affordable for you, then go with the employer-sponsored plan. But you may find that your employer does not contribute toward an employee’s dependent coverage. If that is the case you should shop for a child-only health insurance for your baby. Child-only health insurance is a health plan for a child, or children, without an adult on the same policy. Health insurance rates for infants under 1 year old are higher and this is understandable, because all health insurance plans now include well-child baby visits and routine exams that include blood tests and other diagnostic tests. Once beyond the toddler stage, children’s health insurance is more affordable.