Question: Can grandparents cover a baby with insurance?
Answer: If you mean, can you add your grandchild to your individual or group health insurance coverage the answer is no unless you are the child’s legal guardian. You certainly can purchase individual coverage for your grandchild - referred to as child-only health insurance. Unfortunately, due to the law of unintended consequences, child-only coverage is impossible to get in most states. The Affordable Care Act (ACA) legislated that no exclusions of coverage would be allowed for children through age 18. The intent of the law was to make health insurance for children guaranteed-issue - meaning they can’t be turned down because of pre-existing conditions.In most states child-only health insurance is no longer available (California being one of the exceptions) because the insurers refuse to comply with the law’s intent. Quite possible, this stalemate will continue until January 2014, when all health insurance is guaranteed issue.