Child Health Insurance

Smiling Children in Colorful Shirts

Enrolling for child health plans has never been easier. With the passing of the Health Reform Law, neither a child nor an adult can be turned away for health coverage due to medical reasons. Health insurance for children may be obtained privately, via a group plan, or through a government program. 

Children don’t have to be students and may live at home or away from home, as long as they are under the age of 26 and are on the same Kaiser Permanente health plan as the parent(s). After the 26th birthday, adult children will need to be taken off the family medical plan and put on their own plan.

Child Health Insurance Coverage Options

  • Private Child Health Plans

    One of the most affordable child health insurance plans can be obtained through private medical coverage. For details, click Child Health Insurance Rates. A minor may be insured for child health plans either on a single-subscriber or family plan basis.
    When there are three or more children in a family, it may be best to apply together on a family plan as the premium may be lower. On family plans, rates are charged for the three oldest children under 21 years of age. Any remaining kids under 21 are covered at no additional premium, so long as they are enrolled on the same health plan with the rest of the family.
  • Health Insurance for Children under Group Insurance

    Kids can be insured on their parents’ or legal guardian’s employer-sponsored plan, if available. Eligibility is subject to the company’s medical policy.
  • Child Health Plans through the Government

    Eligible minors may enroll on Medi-Cal, which is a government-funded insurance program that accepts enrollments year-round.

Applying for Child Health Insurance on a Group Plan

Health insurance for children may be included on a company health plan when the employer of the parent or legal guardian offers group medical coverage, the parent/legal guardian is eligible, and membership is extended to dependents. Kids may enroll during the employer's open enrollment period or on a qualifying event basis, if applicable.