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If consumers already have coverage, may they buy separate policies for their children?


Consumers who already have coverage for themselves are eligible to buy a policy for a child through the Health Insurance Marketplace. The ACA requires that any health plan offered through the exchange must also be offered as a child-only plan at the same tier of coverage. Consumers may also be eligible for tax credits for child-only plans they buy through the Health Insurance Marketplace. Visit the Health Insurance Marketplace website through HealthCare.gov for more information about child-only plans available through the Health Insurance Marketplace.

Children who aren't citizens or legal residents of the United States aren't eligible for plans through the Health Insurance Marketplace. Consumers may be able to buy a child-only policy outside the Health Insurance Marketplace, either directly from an insurer or through an agent.

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