Why parents must Enroll their Children for Obamacare

how much does obamacare cover

Children are not just little people who happen to grow up. They are members of families, which means that they move in and out of coverage like adults do. When kids go on their own, they can make decisions about their own care and the care of their parents. They can make decisions about how much health insurance they want or need.

Obamacare was designed to cover the uninsured, but some of its provisions also help families with children. If a family can afford health insurance, they should be able to keep their kids covered as well.

Why to get your Children Enrolled under Obamacare

The goal of Obamacare is to make health insurance affordable for everyone, including those who don't qualify for Medicaid or employer-provided coverage because they're too young or sickly. That's why it includes provisions like dependent coverage and no gap in coverage when you lose your job or change jobs — so that people who lose their job don't suddenly find themselves uninsured for months at a time or have to choose between paying for basic medical needs and feeding their families' stomachs.

Here are some other things that make Obamacare great for children:

  1. Children can stay on their parents' plan until they turn 26 years old
  2. Insurers must provide kids with pediatric dental care at no cost
  3. Insurance companies can't charge kids more than three times as much as adults in premium

Children under the age of 19 are not required to have health insurance, but they may be eligible for coverage through a parent's plan.

Children who are uninsured or whose parents are not covered by an employer-sponsored health plan can qualify for Medicaid or CHIP. In addition, some states have expanded these programs to cover children with certain incomes and family sizes.

But there are other reasons why children should be covered under Obamacare: Kids get sick; they fall ill; they need medical treatment; and sometimes doctors need to treat them too.

The Affordable Care Act (ACA) requires most employers with 50 or more full-time workers to provide health insurance for their employees. The law also requires most individuals to have health coverage or pay a fine.

In addition, if you are uninsured, the ACA offers several options for you to get covered. The first is a Health Insurance Marketplace (Health Insurance Marketplace)

Medicaid and Children

The second option is Medicaid, which provides affordable health insurance to low income Americans who don't qualify for other programs like Medicare and employer-sponsored insurance.

Subsidies are available for most children with household incomes up to 400 percent of the federal poverty level (FPL), which is $45,960 for an individual or $94,200 for a family of four. In addition, there are state-based subsidies. So even if you don't make enough money to be eligible for Medicaid or CHIP, your child might still qualify for help paying premiums and out-of-pocket costs like copays and deductibles.

Some states have decided not to expand Medicaid eligibility — so if your family makes too much money to qualify for Medicaid but too little to afford private insurance, your child may not be able to get coverage through Medicaid even though he or she qualifies. Check out Get My Policy to know if you are eligible to enroll


By Author: Kate Smith | 15 Jul 2022
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