Question: Can infants be insured with their own health insurance?
Answer: Yes. An infant can be insured on their own health insurance policy. A parent or guardian must complete an application for child-only health insurance.
A provision of the Affordable Care Act already in effect requires that children under 19 years of age in are eligible to enroll in an health plan without regard to any preexisting medical conditions. Enrollment guidelines vary by state. The California guidelines are listed below.
- Annual Open Enrollment Period during the month of the child’s birth date.
Late Enrollment Period, within 63 days of any of the following conditions:
- Loss of group health coverage because of termination or change in employment,
- Loss of employer contribution,
- Death of primary insured,
- Legal separation or divorce of primary insured causes loss of coverage,
- Loss of Healthy Families, AIM, or Medi-Cal coverage.
- Recently became a resident of California,
- Newborn in California but did not enroll in birth month,
- Coverage of child mandated by court order,
- Child is newly adopted.