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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Health Insurance for Infants

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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.

  1. Annual Open Enrollment Period during the month of the child’s birth date.
  2. 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.

1 Comment

My niece gave birth to a baby girl last May 15 of this year (2017) ; She works for Kaiser but failed to enroll the infant within the dates allowed ( she had pregnancy related post delivery complication ) and she just found out about it recently ( infant has no coverage) . Now we are trying to help in getting information on how to get her infant health insurance coverage until she can bring her child included in their family coverage . They are 4 in the family ( including the infant ) . Both are working (The infant is 3 months old,: the other child is 14 years old) . They are interested in getting a affordable, reasonable ,good coverage Their zip code is 91710.

Are there a website/phone nos.) that will give comparison Insurance coverage and monthly fees ? What other criteria ( aside from Income ) is needed to get a quotation ? How soon is the coverage effective ? Is there such thing s short term health insurance coverage ? Thank you, Teresita

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