Colorado Child Health Insurance from Kaiser Permanente
In Colorado, a child under age 19 may apply for Kaiser Permanente individual or family health insurance one of three ways:
- Family Plan. A child may be insured under a family plan with at least one parent or a legal guardian.
- Qualifying Event. Colorado child health insurance may be obtained on an individual basis if an application and supporting documentation are submitted within 30 days of a qualifying event. Examples of qualifying events are: loss of coverage, adoption, newborn, court order, etc. For more information, click Colorado Child Rates & Applications.
- Open enrollment. Apply for individual child health insurance in Colorado during open enrollment in January, for a March 1st effective date, or in July, for a September 1st effective date. During open enrollment, Kaiser Permanente will accept child-only applications whether or not there is a qualifying event.
Advantages of Applying for Colorado Child Health Insurance on a Family Basis
Kids can apply anytime if they enroll on a family plan with at least one parent or a legal guardian. On a family plan, the rate is the same whether the policy covers one child or more. So, a family application is especially advantageous for families with two or more enrolling children because there is no extra charge for the additional children. Additionally, families have a cap on how much they will pay towards the deductible and the out of pocket maximum. Another attractive bonus of applying on a family basis is that you can avoid the 50% surcharge that will be applied on a child-only plan if the child was previously insured, but the policy was cancelled and the child has been uninsured for more than 63 days.
There are some situations when applying on a family basis might not be the best option. An example would be when the child has a pre-existing condition for which a rate-up is applicable. Any applicable rate-up will be lower when a child is on a family plan than it would be if the child was to apply on a single-subscriber basis. However, the rate increase would be applied to the whole family’s premium. This does not automatically mean it is better for a family to apply separately. If the family has two or more enrolling children, then, a family plan could be better priced because there is no additional charge for two or more kids.
Applying for Colorado Child Medical Insurance on an Individual Basis
Individual plans tend to be more affordable. However, since child-only applications are not accepted year-round, applying for a child on an individual basis is not always an option. If your child is eligible for an individual policy, but you are also considering family coverage, get quotes together as a family, as well as individually, so you can compare the rates.